National Bank mycredit Mastercard
Cash Back No Annual Fee

National Bank mycredit Mastercard

National Bank of Canada National Bank of Canada
Annual Fee $0
Purchase APR 20.99%
Cash Advance 22.49%

RateBuddy Verdict

The Good
  • Includes $1,000 in mobile device insurance, which is a standout feature for a credit card with no annual fee.
  • The 1% cashback on monthly recurring bills and dining helps earn rewards on essential expenses.
  • Cashback is credited to the account monthly, offering quicker access to rewards compared to annual payout cards.
The Trade-offs
  • The base earning rate of 0.5% on non-category purchases is lower than several other no-fee cashback alternatives.
  • Lacks travel-specific insurance coverage like car rental collision or travel medical.

Rewards & Earnings

Groceries 0.50%
Dining 1%
Gas 0.50%
Travel 0.50%
Recurring Bills 1%
Base Rate 0.50%
Rewards Summary: Restaurants & Recurring Bills: 1% cashback; All other purchases: 0.5% cashback.

Welcome Bonus Details

No welcome bonus details are currently listed for this card.

Features & Benefits

No Annual Fee
No annual fee
Mobile Device Insurance
Up to $1,000 (Up to 2 years coverage)
Extended Warranty Insurance
Doubles warranty up to 1 year
Purchase Security Insurance
90 days following purchase

Insurance Coverage

Mobile Device: $1,000; 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$0
Supplementary Card Fee$0
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Cash Back No Annual Fee
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