Allure Mastercard is a credit card by the National Bank of Canada, with headquarters in Montreal and holding sixth place for being the largest commercial bank in Canada. What makes the Allure credit card unique is the possibility for cardholders to give back to a cause and earn cash back while using it.
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National Bank of Canada has partnered with the Quebec Breast Cancer Foundation for the Allure Mastercard credit card, so users can donate to this foundation when using their card. Besides supporting a good cause, the Allure card has numerous other benefits and rewards.
National Bank Allure Mastercard is Best for
Individuals who want to use a Canadian card that supports a good cause
People looking for a credit card that doesn’t come with an annual maintenance fee
Those who are interested in earning cash back and attractive rewards
Bank users who prioritize purchase protection and extended warranty
What Are Allure Mastercard Advantages
Using the National Bank Allure Mastercard comes with plenty of advantages for cardholders. Here are some features that make this card an excellent choice.
Supporting a good cause
There’s nothing better than choosing a bank that doesn’t only care about making as much profit as possible. By partnering with the Quebec Breast Cancer Foundation, the National Bank of Canada raises money for every dollar its clients spend.
No annual fees
Most cards come with an annual fee that each cardholder must pay. However, since this credit card has no yearly fees, users can save money on this out-of-pocket expense and use the funds for something more important to them.
No minimum income requirements
Everyone willing to support a good cause can easily qualify for this credit card because the National Bank of Canada didn’t specify the minimum income required to get the card.
A low minimum credit limit
Users of this card can enjoy a low minimum credit limit of $500. Therefore, they can easily avoid going over their monthly budget and keep their finances in a healthy balance.
This credit card supports the Mastercard ID check online identity verification, so all your online payments are secure. Also, the zero-liability coverage protects your funds from fraudulent activities.
Extended warranty and protection
Having an extended warranty on the purchased products is an outstanding benefit. You can extend the warranty and double it (up to one additional year) on selected products when you purchase goods with this Mastercard. The purchase protection secures you from theft and damage for 90 days after you buy selected items with your Allure card.
Free extra cards
In most cases, you have to pay a fee to get a replacement for a lost or stolen card. However, owners of this credit card can get up to three extra cards for free.
Are There Any Disadvantages?
Like any other card, the National Bank Allure Mastercard also has its disadvantages. Check out its main weaknesses before you decide whether this card is a good choice for you or not.
Low return rate
Users receive one point for every $2 they spend, but only on eligible purchases. Therefore, the return rate is pretty low, and users must spend a lot of money before enjoying cashback benefits. Additionally, they can use the points they receive only for cashback rewards. For every 1,000 cashed-in points, users receive a $10 cashback.
Although users don’t have to pay the annual fee, other fees come with this credit card and are pretty expensive. For instance, users must pay a 20.99% interest fee on overdraft balances. Other fees include 22.49% on cash advances and balance transfers.
Few additional benefits
Some cards with a similar concept come with numerous additional benefits and features. However, that’s not the case with the Allure card as it offers only the essential elements. Namely, you can’t count on roadside assistance or mobile device protection when using this card, two features that are becoming increasingly popular among card issuers.
What Makes Allure Mastercard Different
National Bank Allure Mastercard is a cashback credit card that comes with many unique features. Although we already mentioned some of them, a few other features make it stand out from the rest of similar cards.
Quebec Breast Cancer Foundation donations. As already mentioned, the National Bank of Canada created the Allure Mastercard in partnership with the Quebec Breast Cancer Foundation. So, for every $10 each user of this card spends, the National Bank of Canada donates $0.10 to the foundation.
Exceptional customer support. The National Bank of Canada has one of the best customer support teams. Its customer care team continues to receive outstanding reviews. This bank could be perfect if you’re searching for a bank with helpful, polite, and friendly staff.
Gift card discounts. The National Bank of Canada has partnered with many wellness and fashion partners, enabling Allure Mastercard users to enjoy a 10% discount on gift card purchases at selected retailers and wellness facilities.
Allure Mastercard, a card by the National Bank of Canada supporting the partnership with the Quebec Breast Cancer Foundation, is an excellent choice if you’re searching for a card with cashback rewards that simultaneously supports a good cause. It is a great cost-effective choice with no minimum income requirements or no annual fees. Nevertheless, remember that this card comes with very few additional benefits and some other fees that are pretty high.
We think it’s a card with an excellent primary purpose, so it’s worth giving it a shot.
Frequently Asked Questions
Is Allure Mastercard by the National Bank of Canada secure?
The National Bank of Canada is one of the largest commercial banks in the country. The bank implements the latest safety and security features to protect its clients and their financial data. That automatically makes this credit card a safe choice.
Can you get free travel medical insurance with Allure Mastercard?
Unfortunately, you can’t get free travel medical insurance with this credit card nor any other travel perks that some other cards might offer. What are the requirements for applying for the Allure Mastercard? Individuals willing to apply for this credit card must be Canadian citizens or permanent residents. Besides that, they must have the age of majority in their province or territory.
How can I apply for an Allure Mastercard?
The application process for this card is pretty straightforward. Here’s an easy step-by-step application guide that will walk you through the entire process: 1. Visit the official National Bank of Canada website by clicking here or the “Apply Now” button on this page. 2. Complete the application form that requires details such as name, birth date, social insurance number, and email address. 3. Review and submit the application. 4. Wait for the response. 5. Enjoy your newly acquired Allure card!
The cashback is based on a point-accumulation system. You get 1 point for every $2 you spend using your Allure Mastercard® credit card, providing your account is in good standing. Once a year, in January, you will receive a $10 cashback for every 1,000 points earned. The cashback will be paid as a credit applied to your account and cannot be paid in cash. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). Interest charges, annual fees, balance transfers, cash advances, service charges, insurance premiums, promotional Mastercard cheques and refunded purchases are not eligible for rewards points. For details, see the Terms and conditions [PDF].
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
Annual interest rate
*Variable interest rate in effect on September 1, 2021
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Purchase protection and Extended warranty
Purchase protection applies provided the purchases or expenses are charged to the National Bank Allure Mastercard® credit card account. Certain conditions and restrictions apply. For more information, please consult the insurance certificate for your credit card.
Extended warranty coverage applies to most new articles purchased with the card, in Canada or abroad, provided the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information, please consult the guarantee certificate for your credit card.
Contribution to QC Breast Cancer Foundation
National Bank donates $0.10 for every $10 charged to an Allure Mastercard® credit card account over a 12-month period to the Quebec Breast Cancer Foundation. The annual donation is capped at $750,000.
*The information provided for National Bank Allure Mastercard® is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure® Canada. The card issuer did not provide the details, nor it is responsible for their accuracy.
National Bank Allure Mastercard®
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