Annual Fee
$30
Extra Card Fee
$0
Card Type
Credit
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Balance Transfer
3.90%
Transfer Term
6 months
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
  • Earn 1.5% cash back on all gas, grocery, and online purchases (up to 25,000 in annual spend).
  • Earn 1% cash back on all other purchases.
  • Redeem your cash back any time when you’ve earn at least $25.
  • Shop confidently knowing your purchases are protected with included insurance.
  • Enjoy exclusive events and experiences in Montreal, Toronto, Paris and Miami with Mastercard Priceless Cities.
Extended Warranty 1 year
Purchase Protection 90 days

Please review your insurance certificate for details, exclusions and limitations of your coverage.

®ECHO, ALLURE, EDITION and À LA CARTE REWARDS PLAN, are registered trademarks of National Bank.

®ULTRAMAR is a registered trademark of Valero, used under licence.

® WORLD MASTERCARD and WORLD ELITE are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Our Review

Are you looking for a low fee card that allows you to earn cash back rewards on all of your purchases?

The National Bank ECHO Cashback Mastercard has a lot going for it.

Earning cash back rewards

For start, this card is especially great if you spend a lot of your budget on gas, groceries, and online shopping.

For the first $25,000 you spend annually in these categories, you'll earn 1.5% cash back – that's up to $375 in cash back rewards annually, making the $30 annual fee completely worth it.

This is one of the only cards in Canada that will give you extra rewards for the shopping you do online. So, for the right person, this card is a great option.

Plus, all other purchases (including any spending category overages) will earn you 1% cash back.

Redeeming your cash back rewards

Another thing that really makes this card stand out is the fact that you can redeem your rewards anytime you want.

That's right, with this card, you don’t have to wait to redeem your rewards – as soon as you earn $25, you can start redeeming…which definitely isn’t the case for most cash back cards.

The perks of having an ECHO Mastercard

As if these great cash back rewards weren't enough, you'll also have peace of mind when you're making purchases since you'll have 2 types of purchases insurance coverage:

  • purchase protection, and
  • extended warranty.

And finally, as a Mastercard, the ECHO card also gives cardholders access to exclusive offers and experiences through Mastercard Priceless Cities.

You'll be able to shop, play, stay, and eat in cities like:

  • Montreal,
  • Toronto,
  • Paris, and
  • Miami.

Not sure this card is for you?

If you would rather a card that has no annual fee, you should consider the .

Not only will you earn valuable rewards, but you'll be supporting the Quebec Breast Cancer Foundation with every purchase you make.

What are your thoughts?

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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