National Bank Platinum Mastercard

Relevant if: you use the National Bank À la carte program and its documented categories.

Less suitable if: you do not recover at least $70 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$335

Confirmed offer · not valued in the estimate

Fee: $70 a year, from year one (no rebate confirmed)

Offer verified on November 5, 2026

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View calculation details

For a spending profile of $36,000 a year

Rewards net of annual fees (balanced scenario): $335
+ Offer (first 12 months): Offer confirmed, but not yet valued by Futello — not included
= Estimate for this profile, without the offer: $335

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: 35,000 points National Bank À la carte
Conditions: 35,000 bonus points
End date: End date not published
Offer quality: Fair Futello rating grid
Last verified: Verified today

Offer improved — August 24, 2026 · bonus amount

Email me if this offer changes

Offer history: too short to compare

Earlier offer · observed in 2026 2 points $232 in spending within 3 months
September 23, 2026 35,000 points current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward
Eligible groceries and restaurants (above $1,000 per month), Gas and EV charging, Recurring bill payments, and À la carte Travel	1.5 points per dollar
Eligible groceries and restaurants (up to $1,000 of gross monthly purchases)	2 points per dollar
Other purchases	1 point per dollar

Cap not documented for every category.

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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