National Bank ECHO Cashback Mastercard
Cash Back

National Bank ECHO Cashback Mastercard

National Bank of Canada National Bank of Canada
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Annual Fee $30
Purchase APR 20.99%
Cash Advance 22.49%

RateBuddy Verdict

The Good
  • Includes "Online Purchases" as a 1.5% bonus category, which is highly valuable for modern shopping habits.
  • The $25,000 annual spend cap on bonus categories is quite generous for a card with such a low annual fee.
  • No minimum income requirement makes this an excellent option for building credit while earning competitive cashback.
The Trade-offs
  • Charges a $30 annual fee, whereas some competitors offer similar base rates for $0.
  • Lacks the mobile device insurance found on the otherwise "lower" mycredit Mastercard.

Rewards & Earnings

Groceries 1.50%
Dining 1%
Gas 1.50%
Travel 1%
Recurring Bills 1%
Base Rate 1%
Rewards Summary: Gas, Groceries & Online Purchases: 1.5% cashback; All other purchases: 1% cashback.

Welcome Bonus Details

No welcome bonus details are currently listed for this card.

Features & Benefits

Extended Warranty Insurance
Doubles warranty up to 1 year
Purchase Security Insurance
90 days following purchase

Insurance Coverage

Purchase Security: 90 days; Extended Warranty: Double manufacturer warranty (up to 1 extra year).

Rates, Fees & Eligibility

Purchase APR20.99%
Cash Advance APR22.49%
Annual Fee$30
Supplementary Card Fee$0
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Cash Back
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