Card Review & Application
National Bank ECHO® Cashback Mastercard®
- Earn up to 1.5% cashback on most online purchases, on groceries and on gas*
- Get unlimited 1% cashback on all other purchases
- Apply your cashback as soon as you accumulate $10. You can even access your cashback on the go from any tablet or mobile device!
- Purchase protection in case of theft or damage*
- Extended warranty*
- National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
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| Introductory APR: | N/A* |
| Introductory Period: | N/A |
| APR on Purchases: | 20.99% * |
| Annual Fee: | $30* |
| Card Issuer: | National Bank of Canada |
| Card Network: | Mastercard |
| Card Category: | Consumer (Regular) |
| Card Type: | - Beginners Card - EMV Chip - Every Day Purchases - No Min Income Required - Reward Card |
| Credit Needed: | Good* |
The ECHO Cashback Mastercard by the National Bank of Canada is a game-changer in the credit card industry. This card has changed my spending habits for the better, making me more eager to make day-to-day purchases. With a cashback rate of 1.5%, it adds significant value to my spending. The $30 annual fee is a small price to pay considering the perks it brings. What sets it apart is the seamless contactless payment experience. Tap & Go technology is a lifesaver, especially when I'm in a rush. Moreover, the purchase protection and extended warranty give me peace of mind when making big-ticket purchases. The additional benefit of secure online purchases has heightened my trust in this card. The cherry on top has to be the urban experiences - exclusive menus, room upgrades, and delightful surprises have given a luxurious touch to my lifestyle. Earning cashback has never been more exciting!
The review prepared by CreditCardsCo™ Canada
| Reward Types: | - Gas Rewards - Other Rewards - Universal Rewards |
| Reward Unit: | Cash |
| Rewards: | - 1.5% cashback on most online purchases - 1.5% cashback on grocery stores purchases - 1.5% cashback on gas* - 1% cashback on all other purchases |
| Expiration: | None* |
| Yearly Limit: | None* |
| Other Benefits: | - Mastercard ID Check - Priceless Cities - A flexible rewards plan - Contactless payments - One-click payment *See terms and conditions of the card for other benefits |
| Comments: | To apply for the card you must: - Be a Canadian Citizen or Landed Immigrant - Have reached the age of majority in your province/territory (18 years in AB, MB, ON, PE, QC, SK. 19 years in all others) - Not have declared bankruptcy in the past seven years - Have a minimum gross monthly income of $1,000 unless you are applying for a student VISA card |
| Online Account Access: | Yes |
| Introductory APR: | N/A* |
| Introductory Period: | N/A* |
| APR on Purchases: | 20.99% * |
| Annual Fee: | $30* |
| Grace Period: | 21 days* |
| Min Credit Line: | $500 |
| Late Payment Fee: | N/A* |
| Balance Transfer: | Yes |
| APR on Balance Transfer (%): | 22.49% |
| APR Cash Advances: | 22.49% |
| Additional Fees | Additional card fee: $0 |
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* Published on Jan 1, 2024. Information relating to the National Bank ECHO Cashback Mastercard may change without notice as a result we cannot guarantee the accuracy of details above. It is important you read the terms and conditions attached to a product before submitting the application.
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