National Bank Syncro Mastercard Review
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Recommended Credit Score:
670 900
Average to Excellent
Welcome Bonus Value
Annual Fee
Purchase Interest Rate
Min Personal Required
National Bank Syncro Mastercard
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My Rate Compass Rating: star star star star star_outline (4)
Bank Name:National Bank
Network Type:Mastercard
National Bank Syncro Mastercard
Welcome Bonus
Annual Fee
National Bank Syncro Mastercard
Card Details

If you're paying too much interest, breathe easier with the Syncro Mastercard low interests credit card

The Syncro card's rate offers you a competitive interest rate at all times 

Protect your purchases with an insurance program you can count on

Protect yourself against unauthorized purchases thanks to the Mastercard Zero Liability program.
  • Priority airport services No
  • Airport lounge access No
  • Concierge service No
  • Balance protection(Optional) No
  • Purchase Security & Extended Protection Insurance Yes
  • Flight delay insurance,Baggage Insurance No
  • Vehicle rental insurance No
  • Travel accident insurance No
  • Travel medical insurance No
Fees and Eligibility
  • Annual Fee: $35
  • Additional Card Fee: $0
  • Purchases Interest Rate: 11.20%
  • Cash Advance Interest Rate: 15.20%
  • You're a Canadian resident
  • You've reached the age of majority in your province or territory
Recommended Credit Score:
670 900
Average to Excellent
Our Rating
My Rate Compass Rating: star star star star star_outline (4)
Rating Methodology: My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category. Credit card rating methodology
Editorial Guidelines: Learn more about our editorial guidelines here.
Pros and Cons
Low interest rates

The purchase rate is 4% + prime rate (4% + 6.95% = 10.95%)  

The cash advance and balance transfer is 8% + prime rate (8% + 6.95% = 14.95%)

Purchase protection

Protect your new purchases from loss, theft or damage for up to 90 days after the date of purchase.


Extended warranty

Get up to double the manufacturer's warranty for most items purchased using your credit card.


Secure online purchases

Mastercard® ID CheckTM is a service that protects you against fraud by verifying your identity when making online purchases.


Fraud protection

Benefit from Mastercard's Zero Liability policy—you won't be liable for unauthorized transactions completed with your card.


Urban experiences

Enjoy unique experiences with Priceless Cities®. Get room upgrades, exclusive menus and many other surprises.

Editor's Review

National Bank Syncro Mastercard Review 


The Syncro Mastercard’s main advantage is reduced interest rates. Cardholders can take advantage of significantly lower costs of financing. There is an annual fee of $35 to use this credit card. Learn more below.

Key Features and Benefits

  • Annual fee of $35 and variable interest rates
  • Purchase protection, fraud protection and extended warranty coverage included
  • Access to Mastercard Priceless Cities, a special travel experience program


  • The interest rate is the prime rate plus 4% for purchases, currently sitting at 10.95% which is much lower than industry standards
  • Insurance protection
  • National Bank is rated as one of the best banks for customer service support


  • No rewards
  • Balance transfers and cash advances have a interest rate of 4% plus prime, currently sitting at 14.95% but still competitive compare to other credit cards.


The main benefit of the Syncro Mastercard is the reduced interest rates on purchases, cash advances and balance transfers which can help you save significantly compared to standard credit cards at 19.99% or 20.99% for purchase interest rate. The card is an excellent option for people who carry a balance each month on their credit cards. There aren’t any other perks that come with this credit card. If you’d prefer access to some kind of rewards program, consider another credit card.

Legal notes :

® SYNCRO is a registered trademark of National Bank.

®Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank