Rewards programs

National Bank À la carte

Program run by National Bank of Canada. Here is what one National Bank À la carte point is worth, how to redeem it and the cards that earn the most of it.

  • Values taken from official pages or from an announced specialist benchmark
  • Cards ranked by net value, annual fees deducted
  • Official pages reread regularly

Official program site All programs

Value of one point

Where the value comes from
Fixed redemption published by the program
Source
National Bank of Canada
Verification
Verified on October 8, 2026 Source up to date

“Every 10,000 points will give you a $100 travel credit.”

Restrictions

  • Travel charged to the card and paid with points: 12,000 points per 100 dollars (0.83 cent).
  • Card balance: 25,000 points per 100 dollars (0.4 cent).

Programs do not issue the same number of points per dollar: to compare two programs, look at the return per dollar spent, not the value of a point.

Excerpts are quoted in the language of their source.

Cards that earn these points

Annual spending levels

Each level is a basket of annual spending split across everyday categories. The returns and the ranking are recomputed for that basket.

  • Moderate — $24,000 / year
  • Standard — $36,000 / year
  • High — $60,000 / year

In a personalized analysis, your actual spending replaces this reference basket.

Ranked by annual net value on the standard reference basket ($36,000 of spending a year), annual fees fully deducted.

Rank Card Network Annual fee Annual net value Earning Limitations
1 National Bank Platinum Mastercard Mastercard $70 $338 Range: -$70 to $338
  • Eligible groceries and restaurants through first $1,000 gross monthly purchases: 2 points / $ (2¢ per dollar)
  • Eligible groceries and restaurants after $1,000 monthly threshold: 1.5 points / $ (1.5¢ per dollar)
  • Gas and ev charging: 1.5 points / $ (1.5¢ per dollar)
  • Recurring bill payments: 1.5 points / $ (1.5¢ per dollar)
  • À la carte travel: 1.5 points / $ (1.5¢ per dollar)
  • Other purchases: 1 point / $ (1¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Gas / charging Cap: Pre-authorized payments
2 National Bank World Elite Mastercard Mastercard $150 $306 Range: -$150 to $306
  • Eligible groceries and restaurants through first $2,500 gross monthly purchases: 5 points / $ (5¢ per dollar)
  • Eligible groceries and restaurants after $2,500 monthly threshold: 2 points / $ (2¢ per dollar)
  • Gas and ev charging: 2 points / $ (2¢ per dollar)
  • Recurring bill payments: 2 points / $ (2¢ per dollar)
  • À la carte travel: 2 points / $ (2¢ per dollar)
  • Other purchases: 1 point / $ (1¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Gas / charging Cap: Pre-authorized payments

Return computed with the value used for the ranking: 1.0¢ per point.

How to use your points

The redemption options the program publishes, with the value of a point when it is fixed.

  • Travel booking

    Travel through the À la carte Travel Agency

    1.0¢ per point

    “Every 10,000 points will give you a $100 travel credit.”

    • Phone booking fees may apply.
    Official source

  • Travel booking

    Travel charged to the card

    0.833¢ per point

    “12,000 points = $100 travel discount”

    • Within 60 days of the purchase.
    Official source

  • Other redemption

    National Bank savings and investments

    0.833¢ per point

    “Redeem a minimum of 12,000 points to invest $100 in an RRSP, TFSA or FHSA from National Bank or one of its subsidiaries.”

    Official source

  • Statement credit

    Card balance

    0.4¢ per point

    “Repayment with rewards points Conversion of points for reimbursement Value Points $25 6,250 $50 12,500 $100 25,000”

    Official source

Transfer partners

This program publishes no transfer partner.

Expiry and minimum redemption

Point expiry
“Your points will expire if your credit card account remains inactive during a minimum period of 12 months” Official source
Minimum redemption
No published rule is listed.

Welcome offers in National Bank À la carte points

Current offers on the cards of this program. Their value is not part of the ranking above.

View all offers

How to read this ranking

The ranking compares the cards of one program on a single scenario, so the gaps come from the cards and not from the assumptions.

  • Reference basket, standard level: $36,000 of spending a year, spread over everyday categories.
  • High-spend profile; reference province: Quebec.
  • Annual fees fully deducted from the value.
  • Welcome offers excluded: only the recurring value counts.

Your spending is different? See the best cards by use or the strategies by profile.

Limitations of this page

  • Cards are ranked on the standard reference basket of a high-spend profile; your actual spending may change the order.
  • Recurring annual fees are fully deducted from each card’s value.
  • Transfer partners and rates are those read on the official pages; a program may change them without notice.
  • The value of welcome offers is not part of the card ranking.