Cash Back
No Annual Fee
National Bank mycredit Mastercard
National Bank of Canada
Secure RateBuddy connection · Application completed on National Bank of Canada’s site
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 APR | 20.99% |
|---|---|
| Cash Advance APR | 22.49% |
| Annual Fee | $0 |
| 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
No Annual Fee
Secure RateBuddy connection