pencil icon Write a review
No Reviews
  • $30 Annual fee
  • $0 Welcome Bonus
  • 1.5% Rewards Rate
tag icon

Get up to 1.5% cashback on your day-to-day purchases - Claim this offer

National Bank ECHO Cashback Mastercard Overview

The National Bank ECHO Cashback Mastercard offers generous rewards on purchases. You’ll earn 1.5% cashback on everyday purchases like groceries and gas. Apart from the 1.5%, you’ll earn 1% on everything else.

The National Bank ECHO Cashback Mastercard is best suited for frequent shoppers based on the cashback rewards. It’s an excellent choice if you want a simple Mastercard that can earn lucrative rewards.

With no minimum income criterion and no annual fee, this is an attractive starter card for students. It’s also an affordable card for those with a tight budget.

The competitive cashback rate is an excellent bonus if you frequently make online purchases. Also, the insurance features make it an excellent supplementary card to keep in your wallet. You’ll get purchase protection and extended warranty benefits.

Its portfolio of top-tier benefits also includes a low credit limit. The National Bank ECHO Cashback Mastercard offers a credit limit starting at $500. This fantastic deal enables you to stick to your monthly budget.

National Bank Review Credit Cards - Comparewisel

What’s more, you can benefit from several Mastercard benefits. This includes Priceless cities, giving you exclusive offers and perks.

These benefits may not measure up against other cashback Mastercards. However, the fact that there are no income limits means anyone can apply for the card.

The National Bank ECHO Cashback Mastercard offers more options to redeem your cashback. You can redeem your cashback as a credit on your statement, a cheque, or a direct deposit into your account. However, you can’t make purchases for travel or entertainment with your cashback.

Essential Information

Network

Mastercard

Provider

National Bank

Card Type

Cashback

Rewards

The National Bank ECHO Cashback Mastercard’s primary reward is cashback.

Cashback

With the National Bank ECHO Cashback Mastercard, you will earn:

  • 1.5% cashback on groceries, gas, and online purchases, and
  • 1% cashback on restaurants and shows, cellphone and utilities, and miscellaneous expenses
National Bank Review Online Bankin-Comparewise

Other Perks

The National Bank ECHO Cashback Mastercard has the following benefits.

  • Mastercard Zero Liability keeps you from being held liable for unauthorized transactions made with your card.
  • Access to unique experiences with Priceless Cities®, including room upgrades and exclusive menus.
  • Mastercard Tap & Go® for quicker payments when checking out in-store.
  • Purchase protection for up to 90 days following the purchase date. The maximum coverage you’ll receive for the entire duration of your account is $60,000.
  • The extended warranty doubles up to one extra year for a manufacturer’s original warranty.
  • Mastercard® ID Check protects you against fraud by verifying your identity when you purchase online.
  • Ability to redeem your cashback as soon as you earn $10. You can view your cashback on the go via any tablet or mobile device.
  • Temporarily lock your card or replace it through your online bank if it’s stolen or misplaced.
  • Ability to add more cards to your account to maximize cashback rewards.

Costs and Fees

  • Annual fee: $30
  • Additional card fee: $0
  • Purchase interest rate: 20.99%
  • Cash advance interest rate: 22.49%
  • Balance transfer interest rate: 22.49%
  • Minimum credit limit: $500

FAQs about the
National Bank ECHO Cashback Mastercard

What Are the Eligibility Requirements for the National Bank ECHO Cashback Mastercard?

To be eligible for a National Bank ECHO Cashback Mastercard, you must meet the following requirements:

  • Canadian citizen, and
  • Age of majority in your province (18 or 19 years old)
  • Have a source of income

Can I Transfer My Cashback to Another Person?

No. According to the National Bank Cashback Program rules, “No cashback may be given, exchanged, bequeathed or transferred to another person, even in the event of divorce, separation or loss of employment.”

Who’s the National Bank ECHO Cashback Mastercard For?

Frequent shoppers might find the National Bank ECHO Cashback Mastercard a great addition to their wallet. If fuel, foodstuffs, and online shopping are your major spending categories, you can get a lot of value from this card. This is especially true if you spend over $500 per month on these expenses. Spending $6,000 a year on groceries can earn you up to $30 in cashback.

Does the National Bank ECHO Cashback Mastercard Have a Sign-Up Offer?

No, the National Bank ECHO Cashback Mastercard doesn’t have a sign-up offer. However, it offers 1.5% cashback rewards.

Which Categories Earn Cashback Rewards?

You'll earn cashback rewards when spending money on gas, online purchases, and groceries.

How Can I Increase My Cashback Rewards?

Gas and groceries offer the highest returns. Therefore, focus on using your card to make purchases in these categories. Also, online purchases will earn you just as much return.

How Many Times Can I Redeem My Cashback Rewards in Year?

You can redeem your rewards anytime and get cashback more than once a year. What's more, you can get it at any amount as soon as you hit the minimum $10 redemption requirement.

Can I Apply For A National Bank ECHO Cashback Mastercard Online?

Yes, you can apply for the National Bank ECHO Cashback Mastercard online. Visit the National Bank website to get started.

General Terms

TM CX Index and Forrester are trademarks of Forrester Research inc National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2021 CX Index™ survey. The ranking was based on responses from 8,840 measuring 12 brands. The proprietary survey results are based on consumers’ opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports. ® ECHO is a registered trademark of National Bank. ® Mastercard an Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank. TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank. ® Priceless cities is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank.   1. All eligible purchases qualify for 1% cashback when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). The cashback will be paid as a credit applied to your account and cannot be paid in cash. An additional cashback of 0.5% is granted on the first $25,000 of eligible gas, grocery and online purchases charged annually to your credit card account. The additional cashback of 0.5% does not apply when the total of your annual eligible purchases exceeds $25,000. After that, the cashback equals 1% of eligible purchases, regardless of the type of purchase. For conditions and restrictions that apply to cashback rewards and a full list of codes associated with eligible merchants, refer to the cashback accumulation table [PDF] and the applicable rules [PDF]. 2. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. *Variable interest rate in effect on September 1, 2021 3. Subject to credit approval by National Bank. Each balance transfer must be at least $250. 4. This coverage applies to purchases charged to the National Bank ECHO cashback card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card. 5. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions. 6. Subject to credit approval by National Bank.

National Bank ECHO Cashback Mastercard Details

Provider
National Bank
Network Provider
Mastercard
Card Type
Balance Transfer, Rewards
Rewards Type
Cashback
Annual Fee
$30
Purchase Interest Rate
20.99%
Cash Advance Rate
22.49%
Balance Transfer Rate
22.49%
Credit Needed
Good (660 - 724)
                                                                                                                    

National Bank ECHO Cashback Mastercard Offices

Phone Number
1-888-835-6281
Email
info@nbc.ca
Hours
Monday to Friday, 7 a.m. to 10 p.m. (ET), Saturday and Sunday, 8 a.m. to 8 p.m. (ET)
Address
600 Gauchetiere St W Montreal QC H3B 4L2 Canada
Social
Review widget

Add the badge below to show your rating on your website in 3 simple steps:

  1. Choose the badge that you like
  2. Copy the widget HTML code
  3. Paste the HTML code on your website

Most of our partners add the badge to the header or footer of their website and email signature for:

  • social proof to build credibility with new and existing customers
  • boost conversions throughout the entire marketing funnel
  • stand out on Google search with user generated content

Reviews

No reviews submitted yet. Have you used this brand in the past? Be the first to review!

Submit Review

Thank you for your valuable input!

Characteristics
  • Bonuses
  • Rewards
Service
  • Knowledge
  • Usability
wealthy simple free stock ad banner
National Bank ECHO Cashback Mastercard Card Details
  • Min. Credit :
    Good (660 - 724)
                                                                    
  • Card Type : Balance Transfer, Rewards
  • Reward Type : Cashback
  • Providers : National Bank
  • Network Provider : Mastercard
National Bank ECHO Cashback Mastercard Social Media
National Bank ECHO Cashback Mastercard Reviews
0 average based on no reviews
Characteristics
  • Bonuses
  • Rewards
Experience
  • Service
  • Usability

Grow your finances today.

By submitting, you agree to comparewise’s terms of use and privacy policy.

Browse credit cards by Type

High-interest charges ...

Business credit cards ...

Credit cards are conve...

Most credit cards comb...

Having a credit card c...

With the credit card i...

If you have poor or no...

Getting your first cre...

Car loan?
Personal Loan?

Top deals await you just a short
application away!