Rewards Calculator: National Bank World Mastercard

Credit Card Rewards Calculators

Rewards Rates

Up To 2X

Earn up to 2X points on all purchases.

+1.25

Earn an additional 1.25 points for every $1 in eligible purchases made with the À la carte Travel™ Agency.

The amount of points you earn per $1 is based on how much in eligible spend you've charged on the card during the calendar year.

Annual spend	Earning rate
$0 - $20,000	1.25 points per $1 spent
$20,001 - $30,000	2 points per $1 spent
$30,001+	1.25 points per $1 spent

Key Cardholder Benefits

The National Bank World Mastercard offers superb travel insurance which includes out-of-province medical/hospital insurance (up to 60 days), trip cancellation/interruption insurance, flight delay insurance, vehicle car rental insurance (local or abroad), and much more.
When you use your National Bank World Mastercard, you'll receive up to 2 additional years of extended warranty as well as purchase protection insurance of up to 180 days on eligible purchases.

Rewards Value

Redemption option	Redemption value (in cents)
Exchanges with the À la carte Travel™ Agency	1
Discount on travel purchases	0.83 - 0.9
Redemptions for RRSP or TFSA contributions	0.83
Reimbursements of your All-In-One line of credit or mortgage loan	0.83
Statement credits	0.4

NBC Rewards points have the best value of 1 cent per point when redeemed towards travel through the À la carte Travel™ Agency. This means 10,000 points would be worth $100 in cash value towards travel.

Annual Fees

The annual fee for the National Bank World Mastercard is $115.

Income Requirements

The National Bank World Mastercard requires $60,000 annual personal income and $100,000 annual household income.

NBC Rewards Points Calculator

Input your monthly and yearly spend amounts into the National Bank World Mastercard point calculator to estimate how much you can earn. Compare the results side by side up to two credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Cards

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.

Clicking on Add Selected Card will add it to the calculator.

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Compare A Card

Add a credit card to compare side by side based on spend, benefits and fees.

Search Cards

Search for a credit card by name, rewards program, or the rewards currency it earns.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

Category Spending

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

Add Categories

Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.

Type at least 3 characters.

Currently Selected:

Spend Region:

Category Spending Total

The amount of rewards earned from card spending.

Rewards & Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Rewards & Bonus Total

The amount of rewards earned from card bonuses.

Total Rewards & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

Rewards Average Value By Redemption

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How much is 0 worth?

Average Value

This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.

Transfers To Partners

Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.

Cash Back, Statement Credits

Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.

Travel

Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).

Gift Cards

Redemptions to do with using your rewards towards the purchase of gift cards.

Reward Transfers To Partners

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Currency Worth

Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.

Rewards Cash Value

The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.

Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Total Cash Value

The total cash value of all listed benefits plus the cash value of rewards earned.

Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Annual Fee

This is the fee you must pay annually to have the card.

Authorized User Fee

This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.

Total Card Value

This is the total cash value of each listed card when factoring in all rewards and all fees.

Learn More

Learn more about the card through our partners.

Calculate Total Rewards & Card Value Per $1 Spent For 100+ Canada Credit Cards

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Maximize your credit card rewards

Our Credit Card Rewards calculator can help you find the credit cards that will earn you the most points, miles and cash back based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let our tool do the work for you!

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Details of eligible rewards points

Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points.

Credit Terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period:

Average Interest Rate	Average Balance
	$500	$3,000
22.49%	$9.24	$55.45
20.99%	$8.63	$51.76
12.90%	$5.30	$31.81
8.9%	$3.66	$21.95

*Variable interest rate in effect on September 1, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Travel and health insurance conditions

This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site.

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About These Calculators: These calculators are provided to help you estimate the value of points and miles, the calculations of rewards earned with credit cards, and the transfer of rewards between programs. They are for illustrative purposes only. They are meant to provide estimates and may not reflect the exact amount of rewards you will receive. Be sure to read the terms and conditions of credit cards and rewards programs before applying/signing up as benefit and perk changes may not be reflected immediately on this website.

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The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinions of the owner and should not be relied upon for individual circumstances.