National Bank of Arizona Premier
National Bank of Arizona and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of National Bank of Arizona. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The National Bank of Arizona Premier from National Bank of Arizona earns up to 1.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: $150 bonus offer or 15,000 bonus points when you spend $4,000 in the first 90 days..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
What does the National Bank of Arizona Premier earn in each category?
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how National Bank of Arizona Premier compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how National Bank of Arizona Premier compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% 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 Premier?
The National Bank of Arizona Premier fits spenders who put meaningful volume in dining and can earn 1.5x points. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
National Bank of Arizona Premier fits spenders who put meaningful volume in dining and can earn 1.5x points. Madeen ranks its dining effective rate higher than about 35% 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 1.5x points. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $95 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 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.
What is the National Bank of Arizona Premier welcome bonus?
In Madeen's catalog snapshot, the National Bank of Arizona Premier welcome offer is $150 bonus offer or 15,000 bonus points when you spend $4,000 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 15k National Bank of Arizona Points (~$150 estimated)
- Terms (catalog snapshot)
- $150 bonus offer or 15,000 bonus points when you spend $4,000 in the first 90 days. First-year annual fee waived.
- Minimum spend
- $4,000
- Window
- 90Days
Does the National Bank of Arizona Premier have an annual fee?
The National Bank of Arizona Premier has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the National Bank of Arizona Premier?
The National Bank of Arizona Premier includes Auto Rental Collision Damage Waiver, Booking.com, Cell Phone Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Common questions about the National Bank of Arizona Premier
Where do cardholders spend most with the National Bank of Arizona Premier?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (2.5x), lodging (2.5x), other travel (2.5x) for the National Bank of Arizona Premier. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the National Bank of Arizona Premier have an annual fee?
The National Bank of Arizona Premier carries an annual fee of $95 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.
What category earns the most with the National Bank of Arizona Premier?
Dining is the strongest Madeen category for the National Bank of Arizona Premier at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the National Bank of Arizona Premier charge foreign transaction fees?
The National Bank of Arizona Premier 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.
What is the National Bank of Arizona Premier welcome bonus?
The National Bank of Arizona Premier welcome offer in our snapshot: $150 bonus offer or 15,000 bonus points when you spend $4,000 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 Premier annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the National Bank of Arizona Premier compare to similar cards?
Compare the National Bank of Arizona Premier against National Bank of Arizona Elite (3% on Dining, $195 fee); National Bank of Arizona Reserve (3% on Dining, $450 fee); National Bank of Arizona Vivid Rewards (3% on Dining, $0 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 Premier This card | Dining | 1.5% | $95 |
National Bank of Arizona | Dining | 3% | $195 |
National Bank of Arizona | Dining | 3% | $450 |
National Bank of Arizona | Dining | 3% | $0 |
National Bank of Arizona | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
National Bank of Arizona and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of National Bank of Arizona. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure