National Bank · Mastercard · None (low-rate card, no rewards program)
Reviewed 2026-07-06 · By The Points Standard editorial team
National Bank Syncro Mastercard
A low-rate specialist, not a rewards card. Only worth it if you genuinely expect to carry a balance.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 3.20/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $35 |
| Welcome bonus | $70 cash back on $5,000 net purchases in the first 12 months, plus the $35 annual fee refunded |
| Est. bonus value | ≈ $70 |
| First-year net value | ≈ $70 |
Earn rates
| All purchases | No rewards — low-rate card |
Why it earns its score
- Purchase interest rate as low as 8.90% (prime + 4%), far below standard ~20-21% cards
- Annual fee effectively waived — refunded under the current offer
- Useful for carrying an occasional balance without punishing interest
Where it loses points
- No ongoing rewards program
- The cash-back welcome offer is the only earning opportunity
- Rewards-focused cards make more sense if you pay your balance in full
Who it's for
Anyone who occasionally carries a balance and wants to minimize interest cost rather than maximize rewards.
Who should skip it
You pay your balance in full every month — a rewards card earns more with zero downside.
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.