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National Bank mycredit Mastercard Review
The Bottom Line
The National Bank mycredit Mastercard may look appealing with no annual fee and mobile device protection, but its low earn rate and limited insurance coverage leave much to be desired. While you do get 1% back on restaurants and recurring bills, 0.5% on everything else is subpar. If you're looking for a no-fee card with higher cash-back rates across more categories, there are better options available.
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on National Bank's website
Welcome Bonus
N/A
Rewards Rate
0.5% - 1%
Cash Back
Annual Fee
$0
Interest Rates
20.99% / 22.49%
Rewards
- 1% cash back on eligible recurring bills and restaurant purchases
- 0.5% cash back on all other eligible purchases
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Mobile Device Insurance
$1,000
Eligibility
Credit Score
Very GoodAnnual Income
N/A
Card Details
Interest Rates
Purchase APR
20.99%
Cash Advance APR
22.49%
Balance Transfer APR
22.49%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Very Good
Type
Pros & Cons
Pros
- 1% cash back on recurring bill payments and restaurant purchases.
- No annual fee.
- Includes mobile device protection insurance, which is rare for no-fee cards.
Cons
- Only 0.5% cash back on all other purchases.
- Limited insurance coverage overall.
- Relatively low annual rewards value compared to other no-fee cards.
Get personalized rewards estimates — see exactly how much you could earn.
National Bank mycredit Mastercard Cash Back Calculator
APPLY NOW
on National Bank's website