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ECHO Cashback Mastercard

National Bank ECHO® Cashback Mastercard
Review

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Card Details

Interest Rates


Purchase: 20.99%

Cash Advance: 22.49%

Balance Transfer: 22.49%

Annual Fee


$30

Annual Income


Personal: N/A

Household: N/A

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Welcome Bonus


N/A

Card & Reward Type


Card Type: Credit

Reward Type: Cash Back

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

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

No additional benefits available for this card.

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.
Rewards Breakdown

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