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mycredit Mastercard
Benefit from cashback on your online subscriptions, purchases, and cell phone protection.
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Benefits of the ${p1.nomProduit}
Mobile protection
Get insured against theft or damage for up to 2 years following the purchase of your mobile device4.
Contactless payments
Spend less time at checkout with Tap & Go® technology! Just tap your card on the reader and you're on your way.
Purchase protection
Protect your new purchases from loss, theft or damage for up to 90 days after the date of purchase.5
Extended warranty
Get up to double the manufacturer's warranty for most items purchased using your credit card.5
Secure online purchases
Mastercard® ID CheckTM is a service that protects you against fraud by verifying your identity when making online purchases.
Fraud protection
Benefit from Mastercard's Zero Liability policy6—you won't be liable for unauthorized transactions completed with your card.
Check out what you can earn
1% cashback
Weekly spending
Restaurants
$100
Annual cashback
$52
Weekly spending
Mobile plan*
$25
Annual cashback
$13
0.5% cashback
Weekly spending
Groceries
$85
Annual cashback
$22
Weekly spending
Online purchases
$75
Annual cashback
$20
* When you use recurring pre-authorized payments with your mycredit account.
How to take advantage of your cashback?
Apply for your card
To be eligible you need to:
- Have the age of majority in the province or territory where you live and be a Canadian resident
Ready to apply?
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Not sure yet? Compare cards
Pay with your card
Earn cashback at a rate of 1% on restaurants purchases and recurring pre-authorized payments1 plus, get 0.5% cashback on all other eligible purchases.
Use your cashback
Enjoy life! Cashback will automatically be deducted each month from the balance on your bill.
Ready to earn rewards? It takes just a few minutes to apply!
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Little details that matter
Annual fee and interest rate
Annual fee 2 |
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Annual fee for additional card |
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Purchase rate |
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Balance transfer and cash advance rate 2-3 |
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Minimum credit limit 7 |
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Cashback
Cashback |
Unlimited 1% Restaurants purchases and recurring pre-authorized payments: 0.5% unlimited You can accumulate cashback faster by adding an additional card to your account, such as for your spouse. |
Cashback details |
Refer to the Cashback program [PDF] for more information. |
Insurance
Distribution guide and insurance certificate |
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| Mobile devices insurance | Your new mobile devices, purchased with your card or financed by a plan of which all the monthly payments are paid for with your card or by pre-authorized payments from your mycredit account, are protected against theft or damages for a period of up to 2 years 4. Compensation can reach $1000 in case of breakage, loss or theft. |
Zero Liability 6 |
Included |
Purchase protection in the event of theft or damage 5 |
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Extended warranty5 |
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Important phone numbers
Customer service (24/7) |
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Insurance claim |
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Lost or stolen card |
|
Cardholder Agreement
To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Cardholder Agreement":"":"_blank"}[PDF].
Confidentiality Policies
To learn about how we protect your information, consult our Confidentiality Policies.
1. 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].
2. 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.
Examples of credit charges
Example of credit charges over a 30-day period:
Annual interest rate |
Average balance |
|
|---|---|---|
$500 |
$3,000 |
|
22.99% |
$9.45 |
$56.69 |
20.99% |
$8.63 |
$51.76 |
14.5% |
$5.96 |
$35.75 |
8.9% |
$3.66 |
$21.95 |
*Variable interest rate in effect on July 1, 2019.
3. Subject to credit approval by National Bank. Each balance transfer must be at least $250.
4. Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.
5. This coverage applies to purchases charged to the National Bank mycredit card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.
6. Certain conditions apply. Visit mastercard.ca for more information. Refer to the credit card terms and conditions.
7. Subject to credit approval by National Bank.
®Mastercard and Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
TM MYCREDIT is a trademark of National Bank of Canada.
TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.
Ready to apply for the mycreditTM Mastercard®?
Completing an application takes just a few minutes
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