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National Bank Ovation Gold MasterCard credit card reviews


National Bank Ovation Gold MasterCard credit card details and credit card application link.

The Ovation Gold Mastercard of the National Bank of Canada guarantees banking privileges and an excellent rewards plan. It is a good choice for clients with moderate to high expenses who want returns on their purchases. The annual interest rate is 19.5 percent, and the fee per year stands at $95. Supplementary cards are issued for free. The minimum credit limit is usually $1000, but your credit file is always considered upon determining it.

Points can get you a vast selection of rewards. The National Bank of Canada offers travel and purchase insurance and assistance. The Ovation Gold stands apart from its competitors as holders earn 1.25 points for every dollar spent. This card can cover daily expenses like gas, groceries, utility bills, and more. If you have additional cards (you get them issued for free for your spouse, children, or other relatives), you get returns on their purchases as well. You can redeem your points for brand-name merchandise, travel discounts, gift certificates, and other extras or exchange your points. Over 250 rewards are available. Your points can even go toward financial products from the National Bank of Canada.

One way to redeem your points is online. A good place to do this is the A la Carte rewards website, to which you will find a link from the bank’s official site.

The amount you save on banking products is determined on the basis of average use of banking services. Ovation Gold card holders get 50 percent off on all banking packages. However, this applies only to those who have an eligible package issued by the National Bank in their name, and their account is in good standing toward billing time. Packages and programs with another type of fee exemption do not qualify for the discount.

Ovation Gold holders over 60 are not charged monthly fees on the respective banking program. All clients get 200 free personalized checks a year as well as a 50 percent discount upon renting a safety deposit box.

Those who apply for the card and are issued one will enjoy a comprehensive insurance and assistance program. You get 20 percent off (up to $200) on travel insurance if you buy a vacation of 30 days or less through Quebec Blue Cross. All you need to do is charge it to the Ovation Gold MasterCard.

Finally, you have liability coverage in case of a car accident, theft or damage to a rented vehicle over a period of 31 days or less. Again, you have to charge it to the card.

If you prefer collecting travel bonus points, you might want to look at the TD Platinum Travel Visa Card. Likely applicants for this product are Canadian residents of legal age in their province, with a gross annual income of $35,000 or more. The card goes with an annual fee of $99 and interest rate of 21.5 percent on cash advances and 19.99 percent on purchases. The best part of this offer is that card holders get 3 bonus points for every dollar in purchases charged to the card. Clients earn double points when booking travel. If you plan to apply for this product, you have to present 2 pieces of identification, your SIN and gross annual income, along with residential and employment information.


Credit Card Details
NameNational Bank Ovation Gold MasterCard Apply Now
TypeMasterCard
Interest Rate19.5%
Annual Fee$95
RewardsYes
Cash BackNo
AirlineNo
StudentNo
SecureNo
PrepaidNo
StoreNo
BusinessNo
Low InterestNo
Auto and GasNo
Instant ApprovalNo
Balance TransferNo
US DollarNo
No Annual FeeNo