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.