National Bank Syncro Mastercard

No rewards program. Rates are VARIABLE and tied to National Bank's prime rate: purchases at prime + 4% subject to a stated minimum of 8.90%, and cash advances and balance transfers at prime + 8% subject to a stated minimum of 12.90%. The values in purchase_apr and cash_advance_apr are the published MINIMUMS, not fixed rates. The actual rate moves with prime. Minimum credit limit $500. Balance transfers require a minimum of $250.

The product page still displays a promotion dated October 1, 2025 to March 3, 2026 (first year annual fees refunded plus a $70 cashback bonus on $5,000 of net purchases within 12 months). That window closed before the date of this research, so no current offer is recorded. The promotion also contradicts the page's own $0 annual fee.

Purchase protection against theft or damage for 90 days; extended warranty doubling the manufacturer's coverage with a maximum lifetime limit of $60,000. 21 day grace period on purchases. Mastercard Zero Liability. Mastercard ID Check. No travel insurance. National Bank states 'No minimum annual income required, unlike other credit cards'. The rates are variable (prime + 4% / prime + 8%). The 8.90% and 12.90% figures are published FLOORS, not the current rate, and will rise with prime. The page publishes a $0 annual fee while simultaneously advertising an expired promotion that 'refunds the annual fees for the first year'. National Bank's own page is internally inconsistent, so the $0 should be re-verified before publishing. The promotional block on the page expired March 3, 2026 and has not been refreshed. Extended warranty carries a $60,000 lifetime cap that is easy to miss. The 2.5% FX figure comes from National Bank's general help centre, not from this card's own page.