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National Bank ECHO Cashback Mastercard

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National Bank ECHO Cashback Mastercard
Welcome Offer
N/A
Rewards
Up to 1.5% cash back
Annual Fee
$30
Purchase Interest Rate
20.99%
Cash Advance Rate
22.49%
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Summary

Earn cash back and get a generous welcome bonus when you sign up for the low-fee National Bank ECHO Cashback Mastercard.

Earn 1.5% cash back on most online purchases, in grocery stores and on gas, and 1% on all other eligible purchases.

In this guide

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  • Frequently asked questions
  • Your reviews

The National Bank ECHO Cashback Mastercard let you Earn 1.5% cash back on most online purchases, in grocery stores and on gas, and 1% on all other eligible purchases.

30-second take

  • Think about this card if you want to earn a decent return on cash back for a low annual fee.
  • Choose something else if you’d rather collect points or you want comprehensive benefits.
  • There are no minimum annual income requirements to qualify.

The basics

If you want to get a decent return on cash back when you pay for daily essentials or make online purchases, you might like to check out the National Bank ECHO Cashback Mastercard.

  • Low annual fee. Pay as little as $30 per year to maintain your account.
  • Cashback return. Get up to 1% cashback when you shop for most purchases on your card.
  • Accelerated earn rates. Lock in up to Earn 1.5% cash back on most online purchases, in grocery stores and on gas, and 1% on all other eligible purchases.
  • Extended warranty. Add an extra year to your manufacturer’s warranty on eligible products you buy with your card.
  • Purchase protection. Get 90 days
    theft and damage insurance on any items you buy.
  • Extra cards for free. Grab up to 3 extra cards for no added fee.

The perks

  • Zero-liability coverage. Protect against fraudulent charges on your account with zero-liability coverage.
  • Instant pay. Make easy tap-and-go payments with Mastercard’s contactless payment systems.
  • Enhanced security. Secure your online purchases with identity verification through Mastercard ID check.
  • Low minimum credit limit. Get a credit limit as low as $500 to avoid going over your monthly budget.
  • No income requirements. There are no minimum income requirements you need to meet to qualify for this card.

What to watch out for

  • Low return. You’ll only get 1% cash back on most purchases (which is about $10 for every $1,000 you spend).
  • High interest. You’ll pay 20.99% interest on outstanding balances and 22.49% for cash advances and balance transfers.
  • Statement credits only. Any cash back you earn will be credited to your account, so you won’t get cash in hand to make other purchases.
  • Few benefits. There are no added benefits that come with this card such as mobile device protection or roadside assistance.
  • No travel insurance. You won’t get complimentary travel or health insurance coverage with this card.

National Bank ECHO Cashback Mastercard interest rates

Interest TypeInterest Rate
Purchase interest rate20.99%
Cash advance rate22.49%
Standard balance transfer rate22.49%

What should I know before I apply?

Eligibility requirements

To apply for a National Bank ECHO Cashback Mastercard, you need to meet the following criteria:

  • Be a Canadian citizen or permanent resident with the age of majority in the province of residence.

Required documents and information:

  • Your name, residential status and contact information
  • Your social insurance number (SIN) and date of birth
  • Your email address and phone number

How to apply

  1. Click the ‘Go to site’ button above to be securely redirected to the online application.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
21.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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Bottom line

The National Bank ECHO Cashback Mastercard gives you a cashback return between 1% and 1.5% for every dollar you spend. You can also earn bonus cash back for spending a certain amount on your card every month. As for benefits, this card comes with basic insurance like extended warranty and purchase protection for a low annual fee of $30

National Bank ECHO Cashback Mastercard FAQs

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