National Bank ECHO Cashback Mastercard
Skip for nowWhat the roles mean
- No minimum income: 1% cash back on everything, 1.5% on groceries, gas and online shopping
No welcome bonus.
Checked on National Bank's own page October 23, 2026. See National Bank's page
What it earns in a year
$333 back a year
After the $30 annual fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (Grocery stores, butchers, bakeries and specialty food stores only; the extra 0.5% stops after the first $25,000 of purchases a year): 1.5% back.
- Gas / EV (Extra 0.5% on the first $25,000 of purchases a year): 1.5% back.
- Everything else: 1% back.
Highlighted = use this card here.
How to apply for the National Bank ECHO Cashback Mastercard
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on National Bank's own site Apply online from the bank's product page. This isn't an affiliate link: we earn nothing if you apply.Apply on National Bank's site →
How to use it
- Groceries (food stores), gas, online purchases: 1.5% on the first $25,000 a year
- Everything else: 1%, no cap
- Groceries at Walmart, Costco or pharmacies: only 1%; the 1.5% is for stores that mainly sell food
- Redeem: from $10 in online banking, as a credit on your balance
- Example: $800/month groceries + $250/month gas at 1.5% = $189 a year, $159 after the fee
Key facts
- Annual fee
- $30
- Purchase interest
- 20.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- None published
- Rewards
- Cash back
Annual fee waiver
- None
From nbc.ca product page, checked October 23, 2026. Not an affiliate link.
More National Bank cards
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $673 a year after both fees, vs $333 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $858 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 1% on everything, 1.5% on groceries, gas and online purchases
- No minimum income
- $0 for extra cards
- Mastercard: works at Costco (1% there)
Cons
- $30 a year, not waived in year one
- No welcome offer
- The 1.5% stops after $25,000 of purchases a year
- Online purchases exclude travel, transit, subscriptions and automatic bill payments
- Cash back is lost after 18 months without using the card
- No travel, rental car or phone insurance
- 2.5% on foreign-currency purchases
Insurance included
- Purchases: 90 days of theft/damage cover
- Extended warranty: doubles the maker's warranty, up to +1 year ($60,000 for the life of the account)
Maximums as National Bank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Card controls: lock, unlock or replace the card in online banking
- Mastercard Zero Liability on unauthorized purchases
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| National Bank ECHO Cashback Mastercard | 1.5% back | $144 | $30 | October 23, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| National Bank ECHO Cashback Mastercard | 1.5% back | $45 | $30 | October 23, 2026 |
How the offer has changed
One row per check of National Bank's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 23, 2026 | NoneFirst row (card added to the library). 1.5% gas/grocery/online on the first $25,000 a year, 1% else; no minimum income | $30, not rebated yr 1 ($0 additional card) | n/a |
General information, not financial advice. Offers change; confirm on National Bank's page before you apply.