National Bank of Arizona Elite
The National Bank of Arizona Elite from National Bank of Arizona earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $195. New applicants may see: $300 bonus offer or 30,000 bonus points when you spend $5,000 in the first 90 days.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $195
Madeen may earn compensation from some apply links. Affiliate disclosure
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the National Bank of Arizona Elite earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values National Bank of Arizona Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the National Bank of Arizona Elite?
The National Bank of Arizona Elite fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
National Bank of Arizona Elite fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $195 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $195 annual fee requires enough spend in bonus categories to offset.
- National Bank of Arizona Points value depends on how you redeem, not straight cash back.
Does the National Bank of Arizona Elite have an annual fee, and what's the welcome bonus?
The National Bank of Arizona Elite has an annual fee of $195 and a foreign transaction fee of None. New applicants may see: $300 bonus offer or 30,000 bonus points when you spend $5,000 in the first 90 days.. Confirm current issuer terms before applying.
- Annual fee
- $195
- Foreign transaction fee
- None
- Signup bonus
- $300 bonus offer or 30,000 bonus points when you spend $5,000 in the first 90 days.
What benefits come with the National Bank of Arizona Elite?
The National Bank of Arizona Elite includes Annual Travel Credit, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual Travel Credit
$100 travel credit every year.
- Auto Rental Collision Damage Waiver
Car Rental Collision Damage Waiver may protect you if your rental car is damaged from an accident or theft.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cell Phone Protection
Cell Phone Protection may provide reimbursement for your stolen or damaged cell phone when you pay your wireless phone bill with your card.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- Lost Luggage Assistance
When you use your covered Card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection up to $3,000 per trip ($2,000 maximum if resident of New York). This coverage applies to travel by air, ferry, cruise ship, train, or bus.
Common questions about the National Bank of Arizona Elite
Does the National Bank of Arizona Elite have an annual fee?
The National Bank of Arizona Elite carries an annual fee of $195 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the National Bank of Arizona Elite?
Dining is the strongest Madeen category for the National Bank of Arizona Elite at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the National Bank of Arizona Elite charge foreign transaction fees?
The National Bank of Arizona Elite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the National Bank of Arizona Elite welcome bonus?
The National Bank of Arizona Elite welcome offer in our snapshot: $300 bonus offer or 30,000 bonus points when you spend $5,000 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the National Bank of Arizona Elite annual fee worth it?
Whether the $195 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the National Bank of Arizona Elite?
Madeen's catalog lists a typical credit range of Good to Excellent for the National Bank of Arizona Elite. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the National Bank of Arizona Elite compare to similar cards?
Compare the National Bank of Arizona Elite against National Bank of Arizona Reserve (3% on Dining, $450 fee); National Bank of Arizona Vivid Rewards (3% on Dining, $0 fee); National Bank of Arizona Premier (1.5% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
National Bank of Arizona Elite This card | Dining | 3% | $195 |
National Bank of Arizona | Dining | 3% | $450 |
National Bank of Arizona | Dining | 3% | $0 |
National Bank of Arizona | Dining | 1.5% | $95 |
Related Madeen guides
Related cards
Issuer links
Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.