Independent ClearFin review · National Bank
Full earn rates, fees and benefits for the National Bank Allure Mastercard.
Offers can change without notice
Confirm with the issuer
💸 No-Fee Rewards
Its strongest published earn rate in our data is 1.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
Approval is based on credit history, repayment behavior, and overall creditworthiness. No fixed minimum credit score is publicly disclosed by the issuer.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is a mass-market cashback product with ESG-linked branding. Applicants with fair credit may qualify, though stronger credit profiles improve approval odds and credit limit outcomes. Income is not a primary published requirement.
Reward limits: The Allure Mastercard does not publish category-based earning caps. Cashback is earned at a flat rate of approximately 1 point per $2 spent (≈0.5% effective return). There are no monthly or annual spending caps on earning. However, redemption is structured as an annual cashback credit, which creates a delayed payout cycle rather than a capped earn structure.
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
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.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
Up to 1% cashback on gas, groceries & online purchases. No annual fee.
Groceries, Gas receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and gas and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
💸 No-Fee Cashback
💸 No-Fee Cashback
📉 Low Interest
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
