Am I eligible?
To get this card, you must also:
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...
- Money.caDespite its shortcomings, the National Bank ECHO Cashback Mastercard might be a good fit for those who spend more than $6K annually ($500 per month) on eligible groceries, gas and online purchases. Why? In its enhanced cashback categories the ECHO card has about a 0.5% cashback advantage on competin...
- Jane Switzer, Ratehub.caWith 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...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 20.99% |
| Balance Transfer Interest Rate | 22.49% |
| Cash Advance Interest Rate | 22.49% |
| Rates & Fees | |
| Annual Fee | $30.00 |
| 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 |
| Virtual Cards | 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 |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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