mycredit Mastercard

Benefit from cashback on your pre-authorized payment, restaurant purchases, and a free mobile protection. 

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Up to 1%

cashback 1

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Annual Fee


Purchase rate


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

Benefits of the mycredit Mastercard

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 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.

Check out what you can earn

1% cashback

Weekly spending



Annual cashback



Weekly spending

Mobile plan*


Annual cashback



0.5% cashback

Weekly spending



Annual cashback



Weekly spending

Online purchases


Annual cashback



* 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

*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

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





Annual fee and interest rate

Annual fee 2

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Annual fee for additional card

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Purchase rate


Balance transfer and cash advance rate 2-3


Minimum credit limit 7

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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.


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


Purchase protection in the event of theft or damage 5

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Extended warranty5


Important phone numbers

Customer service (24/7)

Insurance claim

Lost or stolen card


Credit card Agreement

To learn more about the terms applicable to your card, read the${p1.urlConvention.en | link:"Credit card Agreement":"":"_blank"}[PDF].

Confidentiality Policies

To learn about how we protect your information, consult our Confidentiality Policies.

Promotion ended


Terms and conditions of the offer

The offer that ended on August 31, 2021, takes place over a 3-month period, during which time you receive a rebate on your account if a minimum amount of net purchases is charged to the eligible credit card account. 

Condition offer:

New cardholders will get a 8% cashback on purchases in restaurants and eligible recurring pre-authorized payments charged to their National Bank® mycredit® Mastercard® credit card. 
Promotion period:
The client must apply for the mycredit Mastercard between June 1 and August 31, 2021. Eligible purchases must be carried out within 3 months of the date the credit card account is opened. 
Promotional cashback limits

New cardholders will get an 8% cashback on purchases in restaurants and eligible recurring pre-authorized payments during the promotion period, up to a maximum of $1,500 in eligible purchases and payments. If this $1,500 maximum is exceeded and after the promotion period, the regular cashback rate of 1% will apply to purchases in restaurants and eligible recurring pre-authorized payments. 

Calculating promotional cashbacks

The cashback is calculated on net purchases over a 3-month period, starting on the account opening date. The transaction date used is the date transactions are charged to the account (not the date they are carried out). For example, if the account is opened on June 15, the account holder will have until September 15 to carry out eligible purchases and payments.

Net purchases refer to the amount in purchases and payments charged to the account less returns and refunds. Annual fees, balance transfers, cash advances, cash transactions, interest charges and any other fees and adjustments are not included in the calculation.

How will the cashback be applied to the account?

The cashback earned under this promotion will be applied to the account in two ways, provided the account is in good standing when the cashbacks are awarded:

  • Regular cashback: The cashback earned at the cashback program's regular rate (1%) will be credited monthly to the credit card account, in accordance with the terms and conditions of the program.
  • Bonus cashback: The cashback earned at the bonus rate (7%) will be credited to the credit card account in a single instalment at the latest at the 5th statement following account opening.

The cashback program's regular rate for purchases in restaurants and eligible recurring pre-authorized payments is 1%. Under this promotion, clients will earn a bonus 7% cashback on these purchases and payments, for a total 8% cashback until the end of the promotion period. If you charge a total of $1,500 in eligible purchases and payments to the card, the cashback credited to your account will be calculated as follows:
(1) Regular 1% cashback X $1,500 = $15 credited to your account (applied monthly)
(2) Bonus 7% cashback X $1,500 = $105 credited to your account in a single instalment at the latest at the 5th statement following account opening 
Purchases in restaurants: Any purchase made with the eligible card in a food and beverage establishment or on the website of a food and beverage establishment, such as a restaurant, fast food restaurant, bar, nightclub or pub (once they are permitted to be open), whose associated Mastercard merchant code is 5812, 5813 or 5814. Purchases at restaurants made through independent delivery services are eligible, although there may be some exceptions.

Recurring pre-authorized payments: Regular payments that are automatically collected from your credit card by a biller. Example: Monthly cell phone payments. Check with your merchant if they accept recurring pre-authorized payment.

Eligibility and terms and conditions

This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months. The promotion does not apply to additional cards.  It cannot be combined with any other National Bank promotion. Employees of National Bank and its subsidiaries and entities are not eligible for this promotion. The credit card is issued subject to credit approval by National Bank. The offer may be modified, extended or cancelled, without prior notice, at any time.

All other terms and conditions of the cashback program continue to apply during the promotion period. See terms and conditions: /cash-prog-mycredit-2018.pdf (

Legal Disclaimers

National Bank's Mastercard® mycredit® credit card won the 2022 Milesopedia Award for Best Credit Card in Canada for Newcomers. The ranking is based on an analysis of nearly 200 credit cards offered to Canadians based on their overall features and cardholder opinions on their experiences with these products. 

*National Bank of Canada received the highest CX Index™ score among credit card issuers in Canada in Forrester’s proprietary 2021 CX Index™ survey. The ranking was based on responses from 8,840 measuring 12 brands. The proprietary survey results are based on consumers’ opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.

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
















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 for more information. Refer to the credit card terms and conditions.

7. Subject to credit approval by National Bank.

8.Some merchants may not be eligible.

9. You'll receive an answer confirming whether you've been approved or declined. Note that if your request is being processed, we'll prompt you for additional information. 

®MASTERCARD AND TAP & GO are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

®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.

TM CX Index and Forrester are trademarks of Forrester Research inc 

Ready to apply for the mycreditTM Mastercard®?

Completing an application takes just a few minutes

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