- Earn up to 1.5% cashback on most online purchases, on groceries and on gas*
- Get unlimited 1% cashback on all other purchases
- Apply your cashback as soon as you accumulate $10. You can even access your cashback on the go from any tablet or mobile device!
- Purchase protection in case of theft or damage*
- Extended warranty*
- National Bank ranks #1 among credit card issuers for Customer Experience according to the Forrester CX Index1.
4.0 / 5.0 (12 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Beginners Card
EMV Chip
Every Day Purchases
No Min Income Required
Reward Card
Credit Needed:
Grace Period:
21 days*
Min Credit Line:
Late Payment Fee:

Balance Transfers

Balance Transfer:
APR on Balance Transfer (%):

Cash Advances

APR on Cash Advances (%):

Other Fees

Additional Fees
Additional card fee: $0


To apply for the card you must:

- Be a Canadian Citizen or Landed Immigrant
- Have reached the age of majority in your province/territory (18 years in AB, MB, ON, PE, QC, SK. 19 years in all others)
- Not have declared bankruptcy in the past seven years
- Have a minimum gross monthly income of $1,000 unless you are applying for a student VISA card

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

The National Bank of Canada's ECHO Cashback Mastercard has proven to be a wise choice for me. I appreciate the structure of cashback - 1.5% on gas, groceries, and online purchases, and 1% on all other eligible purchases. This has boosted my annual cashback amount to a substantial level.

The application process is straightforward, and the eligibility criteria are reasonable. One significant advantage is the ability to apply cashback directly to the credit card account once I've earned $10 cashback. This is a much more efficient and user-friendly process compared to other cashback cards I've used.

Lastly, the fraud protection feature with Mastercard's Zero Liability policy adds a layer of security I appreciate. It's reassuring to know that I won't be liable for any unauthorized transactions. With all these features, the ECHO Cashback Mastercard stands as a highly recommended choice.


Most attractive:
- Cash back rewards
- No min income requirements
- Additional benefits
Least attractive:
- No bonus rewards
- No intro rates
- Annual fee

Rewards & Benefits

Reward Types:
Gas Rewards
Other Rewards
Universal Rewards
Reward Unit:
- 1.5% cashback on most online purchases
- 1.5% cashback on grocery stores purchases
- 1.5% cashback on gas*
- 1% cashback on all other purchases
Yearly Limit:
Other Benefits:
- Mastercard ID Check
- Priceless Cities
- A flexible rewards plan
- Contactless payments
- One-click payment
*See terms and conditions of the card for other benefits
Online Access:

*The information provided for National Bank ECHO® Cashback Mastercard® is believed to be accurate at the time of evaluation (Jan 1, 2024). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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