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Mr. Loonie

Card comparison

National Bank Syncro Mastercard

Add a card to see which one is worth more to you.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400

National Bank

National Bank Syncro Mastercard

What it’s worth to you
Better: −$80
Year one
Better: Every year after −$80

Cash back, counted at face value. Why we value National Bank Syncro Mastercard this way

Apply now with National Bank (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
$35
Extra card For a partner or family member
$0
Foreign currency fee On purchases in another currency
2.5%
Interest on purchases
8.9%
Interest on cash advances
12.9%
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%.
Late payment fee
$0
Source
nbc.caChecked Nov 8, 2026

Typical spending, $2,500 a month. Bigger is better.

Groceries $9,600 a year
Better: $0
Restaurants $3,000 a year
Better: $0
Gas $3,000 a year
Better: $0
Recurring bills $3,000 a year
Better: $0
Travel $1,800 a year
Better: $0
Everything else (base rate) $7,800 a year
Better: $0
Foreign currency $1,800 a year
Better: $0
Total earned Before fees and the welcome offer
Better: $0
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $45
Limits
None listed

Extended warranty
Included
Purchase protection
Included

Personal income Minimum the bank lists
None listed
Network
Mastercard
Expert Score From critic reviews, shown, not ranked
Expert Score 7.6 out of 10. Good
Source
nbc.caChecked Nov 8, 2026

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

  • National Bank Syncro Mastercard: nbc.ca, checked Nov 8, 2026

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. Values are estimates for the spending you picked, rounded to the nearest dollar.

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

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