Allure Mastercard
The Allure Mastercard from National Bank is a no-annual-fee credit card that supports the Quebec Breast Cancer Foundation. Cardholders earn 1 point per $2 spent, with points redeemable for cashback. Benefits include extended warranty, purchase protection, and secure online purchases with Mastercard ID Check.
Welcome Offer
No specific welcome offer detailed.
Summary
This credit card offers the advantage of no annual fee, making it a cost-effective choice. It has a purchase rate of 20.99% and a cash advance rate of 22.49%. This card is ideal for those looking to avoid annual fees while managing everyday expenses and occasional cash advances with competitive interest rates.
Rewards
With this credit card, you’ll earn 1 point for every $2 spent on all purchases. This straightforward rewards structure allows you to accumulate points with every transaction, making it a simple and effective way to earn rewards on your everyday spending.
Benefits
This credit card offers valuable protections for your purchases. Enjoy an extended warranty that doubles the manufacturer’s warranty, giving you extra peace of mind. Benefit from purchase protection against theft or damage for 90 days after buying an item. Additionally, secure your online purchases with Mastercard ID Check, ensuring safe and protected transactions. These features make this card a great choice for safeguarding your investments and shopping with confidence.
Insurance
- Purchase protection and extended warranty coverage
Editor’s Review
National Bank Allure Mastercard Review
Overview: The National Bank Allure Mastercard is a no-annual-fee card that supports the Quebec Breast Cancer Foundation. It offers cashback rewards, purchase protection, and extended warranty, making it a practical choice for everyday spending.
Key Features:
- Interest Rate: 20.99% on purchases, 22.49% on cash advances
- Annual Fee: $0
- Rewards Rate: 1 point per $2 spent
- Cashback: $10 for every 1,000 points earned annually
Rewards Program:
- Earn 1 point for every $2 spent
- Redeem points for cashback ($10 per 1,000 points), applied annually
Fees:
- Annual Fee: $0
- Foreign Transaction Fee: 2.5%
Benefits:
- Supports Quebec Breast Cancer Foundation with donations based on card usage
- Cashback rewards on purchases
- Extended warranty and purchase protection
- Mastercard ID Check™ for secure online shopping
- Zero liability for fraud
Insurance Coverage:
- Purchase Protection: Covers theft or damage for 90 days
- Extended Warranty: Doubles the manufacturer’s warranty period up to two additional years
Security Features:
- Fraud protection with Mastercard’s Zero Liability policy
- Secure online transactions with Mastercard ID Check™
Pros:
- No annual fee
- Supports a charitable cause
- Cashback rewards on all purchases
- Comprehensive purchase protection and extended warranty
Cons:
- Cashback rewards are relatively low
- 2.5% foreign transaction fee
Who is this card for? The National Bank Allure Mastercard is ideal for those who want a no-fee credit card that supports a charitable cause, offers basic cashback rewards, and provides purchase protection and extended warranty.
Comparison Table:
Feature | National Bank Allure Mastercard | RBC Cash Back Mastercard | CIBC Dividend Visa Card |
---|---|---|---|
Annual Fee | $0 | $0 | $0 |
Rewards Rate | 1 pt / $2 | Up to 2% cash back | Up to 2% cash back |
Welcome Bonus | None | None | None |
Travel Insurance | None | None | None |
Foreign Transaction Fee | 2.5% | 2.5% | 2.5% |
Final Verdict: The National Bank Allure Mastercard offers solid value for a no-fee card, with the added benefit of supporting the Quebec Breast Cancer Foundation. Its cashback rewards and comprehensive purchase protection make it a practical option for everyday use. However, those looking for higher rewards or travel benefits might find other cards more suitable. Overall, it scores a 6.8 out of 10 for its charitable contributions and practical benefits.
Disclaimer: Refer to the official credit card web page for the latest rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.
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