- Get up to $135 cashback when you apply today**
- No annual fee
- Earn 1% on restaurant transactions and recurring automatic transfers
- Earn 0,5% on all other eligible purchases
- Protection for your mobile phone: Your new mobile devices, purchased with your card, or phone subscriptions paid for with your card or by automatic transfers from your mycredit account are protected against theft or damages for a period of up to 2 years
- Mastercard's Zero Liability
- Purchase protection
- Extended warranty
4.0 / 5.0 (19 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
Card Network:
Card Category:
Student (Regular)
Card Type:
Beginners Card
New to Credit
No Min Income Required
Sign-Up Bonus
Young Adults
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
Foreign transaction fee: 2.5%


**In order to be eligible for our welcome offer, it's important that you do not currently possess a personal National Bank Mastercard credit card or have had one in the last 24 months. This requirement is in place to ensure that new customers can take advantage of our welcome offer and enjoy the benefits that come with it.

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

Review by

We are thrilled to introduce the mycredit Mastercard, a credit card designed with the modern consumer in mind. Offering up to 1% cashback on everyday purchases, it has set a new standard for reward programs. The exclusive introductory offer of up to $135 cashback is a unique feature, setting it apart from the competition.

With a $0 annual fee and a competitive purchase rate of 20.99%, the mycredit Mastercard balances affordability with remarkable benefits. Mobile protection, extended warranties on purchases, and secure online transactions bolster the card's appeal, providing unparalleled safety and security.

Additionally, the contactless Tap & Go technology, Mastercard's Zero Liability policy, and the ability to earn cashback on various categories including restaurants, pre-authorized payments, groceries, and online purchases make the mycredit Mastercard an outstanding choice for CClab CA users.


Most attractive:
- Cashback rewards
- No annual fee
- Mobile protection
Least attractive:
- No intro offer
- No bonus rewards
- Low rewards rate

Rewards & Benefits

Reward Types:
CashBack Rewards
Other Rewards
Reward Unit:
- 1% cash back on restaurant transactions
- 1% cashback on recurring automatic transfers
- 0,5% on all other eligible purchases
Yearly Limit:
Other Benefits:
- Mobile protection
- 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:
Credit Reporting:

*The information provided for mycredit Mastercard® from National Bank of Canada 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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