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Syncro® Review: Fees, Rates and Rewards

A Canadian comparison of Syncro®, using current institution-supplied details from the FCAC catalog.

By SCFinance Data Team · edited by SCFinance Editorial TeamUpdated Sep 7, 2026 Fact checkedEditorial integrity

The bottom line

Syncro® is estimated to earn 0.00% in ongoing rewards. Under the Toronto everyday profile ($30,000/year, pays in full), that is $0 in annual rewards and -$110 after quantified perks, fees and costs.

2.6
SCFinance score
rewards
1.0
fees
3.3
interest
5.0
perks
1.3
fit
3.5
data confidence
4.4
See the dollar-value calculationExplain this score

Annual rewards

$0

Quantified perks

$0

Annual fee

−$35

Foreign-currency cost

−$75

Estimated ongoing value

-$110

Confidence-adjusted value

-$94.60

Estimated reward return: 0.00% · Data confidence: 86%

No rewards value

Based on the Toronto everyday profile: $30,000 annual spend, Ontario availability and full monthly payment. Welcome offers are kept separate from ongoing value.

Syncro® card
Apply now

on National Bank's website

Rates & Fees

Syncro®

Annual fee
First card: $35.00 Second card: No fee
Rewards rate
N/A
Purchase interest rate
8.9%
Cash advance rate
12.9%
Balance transfer rate
12.9%
Foreign conversion fee
2.5%

Pros

  • ✓ 0.00% estimated ongoing rewards return

Cons

  • ✕ $35 annual fee
  • ✕ $75 estimated annual foreign-currency cost in the comparison profile
  • ✕ Actual value depends on your spending, redemption choices and eligibility

Benefits and perks

  • Card benefit

    Interest rate on purchases: Prime rate of the bank + 4% (Minimum rate of 8.9%) Interest rate on balance transfers and cash advances: Prime rate of the bank + 8% (Minimum rate of 12.9%) Overlimit fee: 0$ (Province of Quebec only)

  • Insurance information

    Travel accident: Not available Travel medical: Not available Travel cancellation: Not available Travel interruption: Not available Flight delay: Not available Baggage: Not available Rental vehicle: Not available

Compare to other cards

№ 1

American Express Essential Credit Card

american express · Amex Bank of Canada
2.5
SCFinance score
Apply now

on Amex Bank of Canada's website

Rates & Fees
First card: $25.00 Second card: No feeAnnual fee
N/ARewards rate
12.99%Purchase interest
12.99%Cash advance
2.5%FX fee
N/AMin. income
Our take

American Express Essential Credit Card is estimated to earn 0.00% in ongoing rewards. Under the Toronto everyday profile ($30,000/year, pays in full), that is $0 in annual rewards and -$100 after quantified perks, fees and costs.

Read our full review →

Card details
  • N/A
  • FCAC annual-fee disclosure: First card: $25.00 Second card: No fee
  • Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT
№ 2

BMO Preferred Rate Mastercard

mastercard · BMO
2.5
SCFinance score
Apply now

on BMO's website

Rates & Fees
First card: $29.00 Second card: No feeAnnual fee
N/ARewards rate
13.99%Purchase interest
15.99%Cash advance
2.5%FX fee
N/AMin. income
Our take

BMO Preferred Rate Mastercard is estimated to earn 0.00% in ongoing rewards. Under the Toronto everyday profile ($30,000/year, pays in full), that is $0 in annual rewards and -$104 after quantified perks, fees and costs.

Read our full review →

Card details
  • N/A
  • FCAC annual-fee disclosure: First card: $29.00 Second card: No fee
  • Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, SK, YT
Compare these side by side

Frequently asked questions

Where is Syncro® available?

Our FCAC source lists this card for AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT. Confirm current residency requirements with National Bank before applying.

Are the rates and fees guaranteed?

No. Rates, promotions and eligibility can change. SCFinance shows the latest synchronized record and links to the issuer so you can confirm the disclosure before applying.

Sources and methodology

Product facts were last checked August 12, 2026. Review the primary product source

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