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Advertiser Disclosure
To take advantage of the National Bank mycredit Mastercard welcome offer, you must not currently hold a personal National Bank Mastercard credit card or have held one in the last 24 months.

National Bank mycredit Mastercard

Card Value & Cash Back Calculator
National Bank mycredit Mastercard
$0 annual fee.
Card unavailable through The Point Calculator

Earning Rates

  • Earn 1% cash back on restaurant and pre-authorized payment purchases.
  • Earn 0.5% cash back on all other card purchases.

Main Benefits

  • Mobile protection, extended warranty, and purchase protection.
NBC Cash Back Credit Card Calculators
National Bank ECHO Cashback Mastercard
National Bank ECHO Cashback Mastercard
National Bank mycredit Mastercard
National Bank mycredit Mastercard

NBC Cash Back Calculator

Input your monthly and yearly spend amounts into our National Bank mycredit Mastercard calculator to find out how much you can earn. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Tangerine Money-Back Credit Card

Earn 2% back in up to three categories of your choice with no limit to the amount you can earn. Rewards are paid monthly.

For A Limited Time: Get 10% back, up to $100, when you spend up to $1,000 in your first 2 months.

Learn More

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period:

Average Interest Rate Average Balance
$500 $3,000
22.49% $9.24 $55.45
20.99% $8.63 $51.76
12.90% $5.30 $31.81
8.9% $3.66 $21.95

*Variable interest rate in effect on September 1, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Cashback details

Subject to credit approval by National Bank of Canada. The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].

Mobile device protection

Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.