Card Review & Application

National Bank ECHO Cashback Mastercard


out of 5

- 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.

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

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
We do not offer online application for this card at the moment.

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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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