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National Bank ECHO Cashback Mastercard

Earn cash back and get a generous welcome bonus when you sign up for this low-fee card.

Earn 1.5% cash back on most online purchases, in grocery stores and on gas, and 1% on all other eligible purchases.
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20.99%

Purchase Interest Rate

$30

Annual Fee

Details

Product NameNational Bank ECHO Cashback Mastercard
RewardGet up to 1% cashback when you shop for most purchases on your card
Welcome OfferN/A
Purchase Interest Rate20.99%
Cash Advance Rate22.49%
Balance Transfer Rate22.49%
Interest Free Period Up to 21 days
Minimum Credit Limit$500
Apply now
More Info

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.

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 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.

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Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
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Min. recommended credit score: 630
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BMO CashBack Mastercard
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Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
Tangerine World Mastercard
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Min. recommended credit score: 680
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Neo Financial Credit Card
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Min. recommended credit score: 600
Earn an average cash back of 4% at thousands of local and national Neo partners including most major gas and grocery stores, restaurants, gyms, coffee shops and more. Earn a guaranteed 1% cash back on all spend at non-partners.
BMO Preferred Rate Mastercard
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American Express Cobalt Card
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Brim Mastercard
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Tangerine Money-Back Credit Card
10% cash back
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Min. recommended credit score: 680
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SimplyCash Card from American Express
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Name Product Balance Transfer Rate Balance Transfer Fee Purchase Interest Rate Annual Fee Min. Credit Score Description
Scotiabank Value Visa Card
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Tangerine World Mastercard
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BMO Preferred Rate Mastercard
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Tangerine Money-Back Credit Card
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Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
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Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
Neo Financial Credit Card
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Tangerine World Mastercard
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10% cash back
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Min. recommended credit score: 680
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SimplyCash Card from American Express
4% cash back
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Min. recommended credit score: 700
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SimplyCash Preferred Card from American Express
10% cash back
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BMO CashBack World Elite Mastercard
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$0 annual fee for the first year ($120 thereafter)
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Shell CashBack Mastercard from BMO
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