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macrédit

mycredit Mastercard

Benefit from cashback on your online subscriptions, purchases, and a free cell phone insurance.

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macredit


Up to 1%

cashback1


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Annual Fee


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Purchase rate


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Interest rate (balance transfers and cash advances)2-3

Benefits of the ${p1.nomProduit}

Protection cellulaire

Mobile protection

Get insured against theft or damage for up to 2 years following the purchase of your mobile device4.

Contactless payments

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

Purchase protection

Protect your new purchases from loss, theft or damage for up to 90 days after the date of purchase.5

Extended warranty

Extended warranty

Get up to double the manufacturer's warranty for most items purchased using your credit card.5

Secure online purchases

Secure online purchases

Mastercard® ID CheckTM is a service that protects you against fraud by verifying your identity when making online purchases.

Fraud protection

Fraud protection

Benefit from Mastercard's Zero Liability policy6—you won't be liable for unauthorized transactions completed with your card.

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Good to know

Did you know that several features are available to help you manage your credit card? These free services are accessible from your online bank and National Bank app. Easily carry out your transactions wherever, whenever. Learn more.

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?

  

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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

*See all criteria

Ready to apply?

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Not sure yet? Compare cards

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Homme qui fait son épicerie

  

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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.

  

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Use your cashback

Enjoy life! Cashback will automatically be deducted each month from the balance on your bill.

Women at the restaurant

Not sure yet?

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Ready to earn rewards? It takes just a few minutes to apply!

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Little details that matter

Eligibility criteria

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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:
$100 = $1 cashback

0.5% unlimited

All other purchases:
$100 = $0.50 cashback

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

Summary 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)

Insurance claim

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.

Legal Disclaimers

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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