
Business Platinum Mastercard®
Card highlights
Welcome bonus
Rewards & bonuses
See what you could earn based on how you spend.
Welcome bonus
Earn up to $160.
Earn 1 point on ALL card purchases* without restrictions*!
Earn rates
Caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details. 125 points = $1.
Your earning potential
First year reward
Based on spending $2,200/mo after $125 annual fee
Second year reward
Based on spending $2,200/mo after $125 annual fee
These numbers are based on estimations and the calculation breakdown below.
Adjust your spending
First year reward†
- If you spend $2,200/month, you’ll earn
- Welcome bonus
- Annual feefirst year waived
- First year reward
Second year reward†
- If you spend $2,200/month, you’ll earn
- Annual fee
- Second year reward
† Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.
Perks & insurance
Perks and insurance coverage included with the card.
| Perks | Details | |
|---|---|---|
| Lounge access | Not included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Extended warranty | Included | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
| Insurance | Details | |
|---|---|---|
| Travel accident insurance | Included | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Not included | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | Included | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Included | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Included | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Included | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Included | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Included | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Not included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Not included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Not included | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
Details & eligibility
Fees
- Annual fee
- $0 $125$0 for the first year, then $125 per year after
Rates
- Purchase interest
- 20.99%
- Balance transfer rate
- 22.49%
- Cash advance rate
- 22.49%
Type
- Provider
- National Bank of Canada
- Card type
- Travel
- Payment network
- Mastercard
Eligibility
- Minimum personal income
- $1
- Minimum household income
- N/A
- Minimum credit score
- 660+
Terms & conditions
CONDITIONS – PROMOTION ON CARDS WITH REWARDS POINTS
Promotion valid from February 14, 2022 to August 31 2022 for National Bank® Platinum, World Elite® and Platinum Business Mastercard® credit cards. To take advantage of this offer, you must sign up for an eligible National Bank credit card by August 31, 2022. Credit card issued subject to credit approval by National Bank. Certain conditions apply.
Savings on annual fees for the first year:
The annual fees for the card will be refunded for the first year for the main cardholder and for the first authorized user added to the account. To receive the annual fee refund for the first authorized user, you must add them on the account opening application. Annual fees will appear as a charge and credit on the second or third statement after your account is opened.
The primary cardholder is responsible for all charges to the account, including those incurred by authorized users.
Bonus rewards points:
The 20,000 rewards points applied under this promotion will be credited to the credit card account in a single payment no later than the 5th statement following the account opening:
Platinum or World Elite Mastercard: you’ll get 20,000 rewards points if $3,000 or more in net purchases are charged to the credit card account within the first three months following enrolment.
Platinum Business Mastercard: you’ll get 20,000 rewards points if $5,000 or more in net purchases are charged to the credit card account within the first three months following enrolment.
The account must be in good standing at the time the annual fees are refunded and bonus rewards points are applied.
The net purchases charged to your card are calculated over a period of three months, starting at account opening. For example, if the account is opened June 15, 2022, the account holder will have until September 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points.
Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances (including transactions that can be converted directly to cash, such as money orders, traveller’s cheques and gambling transactions), interest charges and any other fees and adjustments are not considered purchases and are therefore not included in the calculation.
Eligibility and terms and conditions
This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months. There is a limit of 20,000 rewards points per eligible credit card account during the promotional period, regardless of the number of credit cards associated with the account. It cannot be combined with any other National Bank credit card promotion. Employees of National Bank and its subsidiaries and entities are not eligible for this promotion. The promotion may be modified, extended or cancelled, without prior notice, at any time.