Canada · personal card · National Bank of Canada
World Elite Mastercard review
Earn up to 5 National Bank rewards points per dollar spent with travel insurance, lounge access and extended warranty.
Key facts
- Issuer
- National Bank of Canada
- Network
- Mastercard
- Annual fee
- $150 (Second authorized card $50; up to $150 yearly travel-expense refund)
- Welcome offer
- Page references up to $900 travel savings or $800 to invest annually (French banner); no points bonus read
- Purchase rate
- 20.99%
- Cash advance rate
- 22.49%
- Balance transfers
- 22.49%
- Foreign transaction fee
- 2.5%
- Minimum personal income
- $80,000
- Minimum household income
- $150,000
- Available in Quebec
- Not stated
- Insurance
- Comprehensive travel insurance; Extended warranty (up to triple, 2 extra years); Car rental insurance
- Est. net value / yr
- $30 ($180 rewards − $150 fee)
- Points value
- National Bank À la carte Rewards at 1¢ CAD each
Rewards
Earn up to 5 National Bank rewards points per dollar spent with travel insurance, lounge access and extended warranty.
Earn rates the issuer states: travel 5 pts. Up to 5 points per $1 (category detail not read); $25,000 annual spend noted on page data
Perks
Unlimited National Bank Lounge access (Montreal-Trudeau); up to $150/yr travel refund
How we put this page together
Every figure here was read on National Bank of Canada’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Rates/fees read from the product data embedded in the page (productPricing fields). FX fee not stated. Base rate not read. FX fee read on issuer document: https://www.nbc.ca/personal/help-centre/credit-card/fees-rates-limits/fees-foreign-currency-credit-card.html
Frequently asked questions
What is the annual fee on the World Elite Mastercard?
$150 (Second authorized card $50; up to $150 yearly travel-expense refund), as read on National Bank of Canada’s website on October 7, 2026.
Is there a foreign transaction fee on the World Elite Mastercard?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the World Elite Mastercard?
The issuer states a minimum personal income of $80,000 or a minimum household income of $150,000.
More National Bank of Canada cards
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Earn: groceries 1% · gas 1%
- Annual fee
- $0
- Est. net value / yr
- $108
- Purchase rate
- 20.99%
- Balance transfers
- 22.49%
- Foreign transaction fee
- 2.5%
- #2
Business Line Mastercard National Bank of Canada
Combines a line of credit with a credit card: financing up to $10,000 at prime plus 5%; no rewards.
- Annual fee
- $50
- Purchase rate
- Prime + 5%
- Balance transfers
- Prime + 5%
- Foreign transaction fee
- Not stated
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Business Mastercard National Bank of Canada
Basic business card with no annual fee and no rewards; reduced-rate option of 14.5% for a $30 annual fee.
- Annual fee
- $0 (No annual fee for primary and additional cards; reduced-rate option $30 fee at 14.5%)
- Purchase rate
- 20.99% (14.5% with $30 annual fee)
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
Earn up to 1.5% cashback on gas, groceries and online purchases.
Earn: groceries 1.5% · gas 1.5%
- Annual fee
- $30
- Est. net value / yr
- $132
- Purchase rate
- 20.99%
- Balance transfers
- 22.49%
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.