Cash Back
National Bank ECHO Cashback Mastercard
National Bank of Canada
Secure RateBuddy connection · Application completed on National Bank of Canada’s site
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 APR | 20.99% |
|---|---|
| Cash Advance APR | 22.49% |
| Annual Fee | $30 |
| Supplementary Card Fee | $0 |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Cash Back
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