National Bank Echo Cashback MasterCard review

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Advertiser Disclosure

Interest Rate: Purchases
19.99
Balance Transfer
22.99
Rewards
1 - 1.5% cashback
Signup Bonus
-


Am I eligible?


National Bank Echo Cashback MasterCard is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Ratehub.ca

With no minimum income requirement and no annual fee, this is an attractive starter card for students and new graduates and an accessible card for the budget-conscious. If you make a lot of online purchases, the competitive cash back rate and strong insurance features also make it a great secondary...

- Jane Switzer, Ratehub.ca
GreedyRates.ca

The National Bank MasterCard offers great value and convenience as a no annual fee cash back credit card. However, there are other no fee cashback cards that do an even better job, however they too have trade-off’s.

- GreedyRates.ca

Details


Interest Rates
Regular APR Interest Rate 19.99%
Balance Transfer Interest Rate 22.99%
Cash Advance Interest Rate 22.99%
Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 1%

If transfer is requested when credit card account is opened, otherwise 3%.

Cash Advance Fee $3.50

$5.00 fee for cash advances outside of Canada.

Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $0.00
Late Payment Fee $0.00
Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back
Restaurants No
Gas 1.5% cash back (on first $25000 spent)
Groceries 1.5% cash back (on first $25000 spent)
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

1.5% cash back (on first $25000 spent) on online purchases.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Eligibility
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


Ratehub.ca

A respectable contender in the cash-back stable

from Ratehub.ca

With no minimum income requirement and no annual fee, this is an attractive starter card for students and new graduates and an accessible card for the budget-conscious. If you make a lot of online purchases, the competitive cash back rate and strong insurance features also make it a great secondary card to keep in your wallet.

Read full review

With no minimum income requirement and no annual fee, this is an attractive starter card for students and new graduates and an accessible card for the budget-conscious. If you make a lot of online purchases, the competitive cash back rate and strong insurance features also make it a great secondary card to keep in your wallet.

Read full review

Less

GreedyRates.ca

Great no fee rewards card for most Canadians

GreedyRates.ca

The National Bank MasterCard offers great value and convenience as a no annual fee cash back credit card. However, there are other no fee cashback cards that do an even better job, however they too have trade-off’s.

Read full review

The National Bank MasterCard offers great value and convenience as a no annual fee cash back credit card. However, there are other no fee cashback cards that do an even better job, however they too have trade-off’s.

Read full review

Less

User Reviews


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