National Bank · Mastercard · None (no rewards program)
Reviewed 2026-07-06 · By The Points Standard editorial team
National Bank MC1 Mastercard
A bare-bones card with no upside over National Bank's other no-fee options. Only worth it if it's genuinely your only approval option.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 2.28/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | None |
| Welcome bonus | No welcome bonus — this is a basic no-frills card |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $20 |
Earn rates
| All purchases | No rewards |
Why it earns its score
- No annual fee
- Straightforward everyday card for building or maintaining credit history
- Purchase protection and extended warranty included
Where it loses points
- No rewards or cash back of any kind
- No travel insurance or premium perks
- Effectively redundant once you qualify for a rewards-earning no-fee card
Who it's for
Applicants who want the simplest possible National Bank card, e.g. for credit-building purposes.
Who should skip it
You qualify for the mycredit Mastercard or Platinum Mastercard — both earn rewards at the same or a low fee.
Included insurance
Purchase protection · Extended warranty
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.