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Mr. Loonie
National Bank Syncro Mastercard

National Bank Syncro Mastercard

7.6
Good
Expert Score · 3 reviews How we score

Best for: People who carry a balance and want a lower interest rate

The balance you carry
Less interest than a typical card, each year
$363
About $267 a year here, instead of $630 at 20.99%

Ranked #2 of 176 for low interest. See the list

See how we worked it out
Purchase rate
8.9%
Annual fee
$35 a year
Apply now on National Bank’s site (opens in a new tab)
Earns no rewards
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from National Bank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? Interest Can I get it? Perks Fees Similar cards
2 quick questions

Is it for me?

Do you carry a balance from month to month?

Do you want to earn rewards on your spending?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 8.9% on purchases The usual rate is 20.99%.

Watch for

  • Watch for: Earns no rewards If you pay in full each month, a no fee cash back card gives you more.
  • Watch for: $35 a year
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d pay in interest

On a balance of $3,000 that you carry for a year.

  • This card $267
    8.9% $3,000 carried all year
  • A typical card $630
    20.99% $3,000 carried all year

A late payment can end a promotional rate early. Simple yearly interest on a balance that stays the same. Banks charge interest monthly, so the real cost comes out a little higher.

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip A balance transfer only helps if the balance shrinks. Set up an automatic payment so it goes down every month.

What critics say

Other reviewers on this card

7.6
Good
Expert Score How we score
  • SAVVY New Canadians (opens in a new tab) May 2023

    “The National Bank Syncro Mastercard is worth it if you need a secure low-interest credit card with multiple benefits. This credit card offers purchase and fraud protection, along with an extended purchase warranty, making it one of the best cards for Canadian residents who prioritize security while saving money.”

  • Finder (opens in a new tab) Sep 2022

    “The National Bank Syncro Mastercard offers low interest rates and the chance to earn bonus cash back in your first year. You’ll also get a handful of benefits like purchase protection and extended warranty coverage when you sign up. The biggest downside of this card is that you won’t earn any points or cash back for making daily purchases.”

  • My Rate Compass (opens in a new tab) Jul 2019
    8

    “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. 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.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

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Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read National Bank’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, car rental damage and mobile device.

Fees and interest

What it costs

Annual fee
$35 a year
Purchase interest
8.9%
Cash advance interest
12.9%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
1%, If transfer is requested when credit card account is opened, otherwise 3%.
Over-limit fee
None
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
12.9%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards

Purchase interest on each card. This card: 8.9%.

See all cards ranked by interest

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the National Bank Syncro Mastercard?

$35 a year.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

8.9% on purchases. Cash advances are 12.9%.

Does it include insurance?

It lists extended warranty and purchase protection. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$363
less interest a year
Apply now on National Bank’s site (opens in a new tab)
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