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In today’s fast-paced world, credit cards have become an essential tool for managing finances and accessing various benefits and rewards.

Among the multitude of options available, the National Bank Syncro Mastercard stands out as a versatile choice.

In this comprehensive guide, we’ll delve into the workings of this credit card, its advantages and disadvantages, and whether it’s worth applying for.


How Does the National Bank Syncro Mastercard Credit Card Work?

The National Bank Syncro Mastercard operates like any standard credit card, offering users a revolving line of credit with a predetermined limit.

Cardholders can make purchases up to their credit limit and repay the borrowed amount in full or in part each month, with interest accruing on any outstanding balance.

What sets the Syncro Mastercard apart is its synchronization feature, allowing users to link their credit card to their National Bank bank account.


This synchronization offers greater control and visibility over finances, with transactions seamlessly integrated into the bank’s online platform.


Advantages of the National Bank Syncro Mastercard Credit Card

  • Syncro Integration: The synchronization feature facilitates easy tracking of expenses and payments through the National Bank’s online banking platform.
  • Mastercard Benefits: As a Mastercard holder, users gain access to a range of perks including price protection, extended warranty, and travel insurance.
  • Flexible Rewards: The Syncro Mastercard offers a rewards program where users earn points for every dollar spent, redeemable for merchandise, travel, or cashback.
  • No Annual Fee: Unlike many credit cards, the Syncro Mastercard does not charge an annual fee, making it a cost-effective option for everyday use.
  • Zero Liability Protection: Cardholders are protected against unauthorized transactions, providing peace of mind in case of fraud or theft.
  • Contactless Payments: With tap-and-go technology, making purchases is quick and convenient, especially in today’s contactless environment.
  • Global Acceptance: Being a Mastercard, the Syncro card is accepted worldwide, offering flexibility for both domestic and international transactions.
  • Interest-Free Grace Period: Users can enjoy a grace period on purchases, typically around 21 days, during which no interest is charged if the balance is paid in full.
  • Cash Advances: In times of need, cardholders can access cash advances from ATMs, although fees and interest rates may apply.
  • Balance Transfer Options: National Bank often provides promotional balance transfer offers, allowing users to consolidate debt from other cards at favorable terms.

Disadvantages of the National Bank Syncro Mastercard Credit Card

  • Interest Rates: While the Syncro Mastercard may offer competitive rates, interest charges can still accumulate, especially if the balance is not paid in full each month.
  • Foreign Transaction Fees: While the card is accepted worldwide, foreign transactions may incur additional fees, making it less attractive for frequent international travelers.
  • Credit Limit: The credit limit assigned to each cardholder is determined based on various factors, including creditworthiness, potentially limiting purchasing power.
  • Reward Redemption Restrictions: While the rewards program is enticing, redemption options may be limited, and point values can fluctuate.

Is the National Bank Syncro Mastercard Credit Card Worth It?

Whether the Syncro Mastercard is worth applying for depends on individual financial needs and spending habits.

For those seeking a no-frills credit card with integrated banking features and a rewards program, the Syncro Mastercard offers excellent value, especially for existing National Bank customers.

However, potential applicants should weigh the advantages against any potential disadvantages, such as interest charges and foreign transaction fees, to make an informed decision.


Requirements for Applying for the National Bank Syncro Mastercard Credit Card

While specific requirements may vary, applicants typically need to meet the following criteria:

  • Legal age of majority in their province or territory.
  • Canadian citizenship or permanent residency.
  • Adequate credit history and income verification.

How to Apply for the National Bank Syncro Mastercard Credit Card?

  1. Research: Compare the Syncro Mastercard with other credit card options to ensure it meets your financial needs.
  2. Preparation: Gather necessary documents, including identification, proof of income, and existing banking information.
  3. Application: Visit the National Bank website or a branch location to complete the online application form or speak with a representative for assistance.
  4. Verification: The bank will review your application and may request additional information or documentation for verification purposes.
  5. Approval: Upon approval, you will receive your Syncro Mastercard in the mail, typically within a few business days.


Frequently Asked Questions

Is there a minimum income requirement for the Syncro Mastercard?

While there is no specific minimum income requirement, applicants must demonstrate sufficient income to support their credit obligations.

Can I link my Syncro Mastercard to accounts at other banks?

No, the synchronization feature is exclusive to National Bank accounts.

Are there any promotional offers available for new cardholders?

National Bank frequently offers promotions such as bonus rewards points or introductory interest rates for new Syncro Mastercard applicants.

How can I track my Syncro Mastercard transactions and payments?

Transactions and payments can be easily monitored through the National Bank’s online banking platform or mobile app.

In conclusion, the National Bank Syncro Mastercard offers a compelling blend of banking integration, rewards, and convenience.

By understanding its features, advantages, and limitations, prospective cardholders can make an informed decision on whether it aligns with their financial goals and lifestyle.