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Mr. Loonie
National Bank Allure Mastercard

National Bank Allure Mastercard

7.2
Good
Expert Score · 2 reviews How we score

Best for: People who want points on gas, groceries and online shopping with no annual fee

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
Yours:
Your own amounts, saved on this device only
Every year
$90

Ranked #129 of 176 for year one. See the list

See how we worked it out
Annual fee
None
Apply now on National Bank’s site (opens in a new tab)
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

What you’d earn Can I get it? Fees Similar cards
From the numbers

The good and the bad

Stands out

  • Good: No annual fee It costs nothing to keep.

Watch for

  • 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 earn

With typical spending of $2,500 a month.

A la carte points valued at 0.9¢ each.

  • Groceries $43
    0.5 point per $1 · 0.5% back $800 a month · 4,800 a la carte points a year
  • Restaurants $14
    0.5 point per $1 · 0.5% back $250 a month · 1,500 a la carte points a year
  • Gas $14
    0.5 point per $1 · 0.5% back $250 a month · 1,500 a la carte points a year
  • Recurring bills $14
    0.5 point per $1 · 0.5% back $250 a month · 1,500 a la carte points a year
  • Travel $8
    0.5 point per $1 · 0.5% back $150 a month · 900 a la carte points a year
  • Everything else $35
    0.5 point per $1 · 0.5% back $650 a month · 3,900 a la carte points a year
  • Foreign currency $8
    0.5 point per $1 · 0.5% back $150 a month · 900 a la carte points a year
For you Year one Later years
Points you earn15,000 a la carte points a year, at 0.9¢ each $135 $135
Annual fee $0 $0
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Total $90 $90

Rows are rounded to the dollar.

What counts in each category
Everything else (base rate)
0.5 point per $1
How a la carte points work, and why 0.9¢

We count a la carte points at 0.9¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.4¢ to 1¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

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.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.2
Good
Expert Score How we score
  • Finder (opens in a new tab) Sep 2022

    “The National Bank Allure Mastercard is a charitable donations card that lets you earn points while you raise money for a worthy cause. It offers a chance to earn up to $120 cash back in your first year in addition to the points you’ll earn for purchases. You’ll also qualify for basic insurance like extended warranty coverage and purchase protection when you sign up.”

  • creditcardGenius (opens in a new tab) Mar 2019
    6.4

    “If the Breast Cancer Foundation is close to your heart and you enjoy earning cash back on all your purchases, as well as getting discounts on gift cards, this card is a no brainer.”

What cardholders say

Ratings from people with this card

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

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • 10% discount when you buy gift cards at yourallure.ca
  • Mobile wallets Apple Pay, Google Pay
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
None
Purchase interest
20.99%
Cash advance interest
22.49%
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
22.49%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $90 year one, $90 every year after.

See all cards ranked for your spending

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 Allure Mastercard?

There is no annual fee.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.99% on purchases. Cash advances are 22.49%.

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

$90
a year for you
Apply now on National Bank’s site (opens in a new tab)
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