National Bank ECHO® Cashback Mastercard
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Total Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$0
Card Details
Annual Rewards
$276.58
First Year Bonus
$0
Annual Fee
$30
First Year Value
$246.58
Interest Rates
Cash Advance: 22.49%
Purchase: 20.99%
Annual Fee
$30
Annual Income
Personal: N/A
Household: N/A
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Reward: Cash Back
Loyalty Program: National Bank À la carte Rewards®
Our Rating
1.8/5
Institution
National Bank
Rewards
- 1.5% cash back on eligible online purchases, gas and groceries
- 1% cash back on all other eligible purchases
ECHO Cashback Mastercard Cash Back Calculator
Based on average spending
Rewards Ranking
Rewards Breakdown
Groceries, Gas and Online Purchases
$109.73
All other purchases
$166.85
Annual Fee
- $30
Net Annual Rewards
$246.58
(after fees)
Rewards Summary
Net Annual Rewards
$246.58
(after fees)
Welcome Bonus
$0
First Year Value
$246.58
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
- • Purchase Protection Insurance up to 90 days
- • Extended Warranty Insurance doubled up to a year
- • Enjoy unique experiences with Priceless Cities. Get room upgrades, exclusive menus and many other surprises
Pros & Cons
Pros
- 1.5% Cash Back: You earn 1.5% cash back on online purchases, gas, and groceries (up to $25,000 annual spend), which makes this card a strong option for everyday essentials.
- On-Demand Redemption: You can redeem your cash back anytime after earning $25, offering more flexibility than other cards that require waiting until the end of the year.
- Low Annual Fee: At only $30 annually, the fee is easily offset if you maximize the card's cash back potential.
Cons
- Limited Insurance: The card comes with basic insurance coverage, like extended warranty and purchase protection, but doesn’t offer extensive travel or other premium benefits.
- Lower Cash Back for Other Purchases: Purchases outside the bonus categories earn just 1% cash back, which is fairly standard but not competitive for high spenders.