National Bank mycredit Mastercard: $40 via Interac e-Transfer or $45 Amazon.ca gift card
Choose to receive either $40 via Interac e-Transfer or an $45 Amazon.ca gift card if your application is approved.
- No annual fee
- Earn 1% cash back on restaurant purchases and recurring pre-authorized payments
- Earn 0.5% cash back on all other purchases
- Get insured against theft or damage for up to 2 years following the purchase of your mobile device
- Protect your new purchases from theft or damage for up to 90 days after the date of purchase
- Get up to double the manufacturer's warranty for most items purchased using your credit card
Requirements:
- You must not have signed up for a National Bank mycredit Mastercard before
- You must follow the link from this site and apply for a National Bank mycredit Mastercard within the same browser session
- To ensure that you receive your Cash Back, please save the confirmation email from your credit card application, which contains your application reference number
Credit terms
Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.
Example of credit charges over a 30-day period
| Annual interest rate |
Average balance |
|
|
|
$500 |
$3,000 |
| 22.49% |
$9.24 |
$55.45 |
| 20.99% |
$8.63 |
$51.76 |
| 12.90% |
$5.30 |
$31.81 |
| 8.9% |
$3.66 |
$21.95 |
*Variable interest rate in effect on September 1, 2021
Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.
Cashback details
Subject to credit approval by National Bank of Canada. The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].
Mobile device protection
Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.
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The $40 cash back and $45 Amazon.ca gift card are not funded by National Bank. If you have any queries related to this offer, please contact High Interest Savings Cash Back.