National Bank ECHO Cashback Mastercard

Card Details
Rewards	Earn 1.5% cashback on eligible gas, grocery, and online purchases (up to the annual spending cap), and 1% cashback on all other eligible purchases. Cashback can be redeemed once you have at least C$10 accumulated.
Signup Bonus	None.
Annual Fee	C$30
Cardmember Agreement	View Here
Cash Advance APR	22.49% APR
Cash Advance Fee	C$5 per cash advance made in Canada.
Late Payment Fee	No fixed late payment fee.
Purchases APR	20.99% APR
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The National Bank ECHO® Cashback Mastercard® is known for offering elevated cashback on gas, groceries, and online purchases while keeping its annual fee relatively low. It’s geared toward everyday spenders who want straightforward cashback instead of travel rewards.

Most users say they like the simple rewards structure, reasonable annual fee, and the ability to earn higher cashback in common spending categories. Many reviewers mentioned that cashback is easy to understand and redeem, and existing National Bank customers appreciate having their banking and credit card services in one place.

On the downside, many reviewers mentioned that the annual spending cap on bonus cashback limits the card’s long-term earning potential. Others feel the annual fee, while modest, makes competing no-fee cashback cards more attractive. Some users also wish the card included a stronger welcome bonus or more premium perks.

Personally, I think the National Bank ECHO Cashback Mastercard is a solid choice for people who spend regularly on groceries, gas, and online shopping and don’t mind paying a small annual fee. If you’re looking for premium travel benefits or industry-leading cashback rates, there are more rewarding options worth considering.