National Bank

National Bank Allure Mastercard

Full earn rates, fees and benefits for the National Bank Allure Mastercard.

Annual fee: $0
Reward type: Allure points
Point value: 0.5¢
Typical credit · 600+: 300+Poor
640+Fair
720+Good
760+Very Good
800+Excellent

💸 No-Fee Rewards

How you earn

Earn 1 point for every $2 spent on eligible purchases
Points convert to cashback at a rate of 1,000 points = $10 annual credit (effective ~0.5% return)
Up to 1% cashback equivalent on eligible categories such as gas, groceries, and online purchases
Cashback is automatically credited once per year as a statement credit (not redeemable as direct cash)
No annual fee structure supports cost-neutral rewards accumulation

Cashback-linked charitable contribution

Supports the Quebec Breast Cancer Foundation through a donation mechanism tied to card usage, where a portion of spending contributes to the cause.

Purchase protection insurance

Covers eligible purchases against theft or damage for up to 90 days from the purchase date when charged to the card.

Extended warranty coverage

Extends manufacturer warranties by up to two additional years on eligible items purchased with the card.

Fraud protection (Zero Liability)

Protects cardholders from unauthorized transactions when standard security conditions are met.

Secure online payments (Mastercard ID Check)

Adds an authentication layer for online transactions to reduce fraud risk.

No annual fee structure

Allows users to earn cashback without fixed carrying cost, improving accessibility.

What we like

No annual fee makes it a zero-cost cashback entry product
Simple cashback structure (1 point per $2 spent) with automatic annual redemption
ESG-linked positioning through Quebec Breast Cancer Foundation donation mechanism

Worth noting

Issuer terms apply. ClearFin is not affiliated with this provider. How we make money.