| Rewards | None |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 22.49% APR |
| Cash Advance Fee | C$5 per cash advance made in Canada. |
| Late Payment Fee | No fixed late payment fee. |
| Purchases APR | 20.99% APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The National Bank MC1® Mastercard® is a basic, no-annual-fee credit card designed for simplicity and accessibility rather than rewards. It is mainly known as an entry-level card for people who want to establish or rebuild credit, with standard Mastercard benefits but no cashback, travel perks, or welcome bonus.
Most users say they like the card’s straightforward setup, lack of an annual fee, and the ability to have a Mastercard option without needing premium qualifications. Many reviewers mentioned that it can be a practical starting point for building responsible credit habits.
On the downside, many reviewers mentioned that the card offers little value for customers who already have strong credit and want to earn rewards. The lack of cashback, points, and promotional offers makes it less appealing compared with many competing no-fee cards. Some users also note that the interest rate is relatively high if balances are carried.
Personally, I think the National Bank MC1 Mastercard is best suited for credit beginners or those focused on rebuilding their credit profile. If you have good credit and want rewards or extra perks, there are likely better options available.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
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Simple and reliable
I've been using this card for everyday purchases for over a year. Payments post quickly, and the mobile app is intuitive. No surprises, just consistent and dependable service.
