Cash Back
National Bank ECHO Cashback Mastercard
National Bank of Canada
Annual Fee
$30
Purchase APR
20.99%
Cash Adv. APR
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 & Takeout 1.00%
Gas & Transit 1.50%
Travel 1.00%
Base Rate 1.00%
Rewards Summary: Gas, Groceries & Online Purchases: 1.5% cashback; All other purchases: 1% cashback.
- Gas, Grocery and Online purchases: 1.5% (Up to $25,000 annual spend)
- All other eligible purchases: 1%
Welcome Bonus Details
Features & Benefits
Extended Warranty Insurance
Doubles warranty up to 1 year
Purchase Security Insurance
90 days following purchase
Additional Perks
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Insurance Coverage
Purchase Security
90 days against theft or damage from the date of purchase
Extended Warranty
Doubles manufacturer warranty for up to 1 additional year (Max $60,000 lifetime limit)
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.49% |
| Annual Fee | $30 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |