mycredit Mastercard

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

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Discover the mycreditTM Mastercard®

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Up to 1% cashback1 

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Mobile protection4 

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Extended warranty on purchases5 

Annual fee


Purchase rate

20.99 %

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

22.49 %

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Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*

The benefits of your mycredit Mastercard

The mycredit Mastercard credit card offers many benefits that make it easy for you to make payments. It can also help you build your credit history when used appropriately.

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Mobile protection

Get insured against theft or damage for up to 2 years following the purchase of your mobile device.4

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Extended warranty

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

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Purchase protection

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

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Secure online purchases

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

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Contactless payments

Spend less time at checkout with Tap & Go® technology! Just tap your card on the reader and you're on your way.

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Fraud protection

Benefit from Mastercard's Zero Liability policy 6- you won't be liable for unauthorized transactions completed with your card.

Get cashback on your everyday purchases

With the mycredit Mastercard credit card, everyday purchases earn you more benefits. Earn cashback 1 when you pay for purchases with your card in these categories:

1% cashback

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Spending $300/month gives you $36 in annual cashback.

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Pre-authorized payments

Spending $235/month gives you $28 in annual cashback.

0.5% cashback

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Spending $400/month gives you $24 in annual cashback.

Online purchases

Spending $300/month gives you $18 in annual cashback.

How do I enjoy my cashback?

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Apply online

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Pay with your card

Earn 1% cashback on restaurant purchases and recurring pre-authorized payments, 1 and 0.5% cashback on all other eligible purchases.

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Use your cashback

Cashback is automatically applied to your credit card account balance when each monthly statement is issued.

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Not the right credit card for you?

Check out our credit cards and choose the one that best suits your needs.

Our featured articles about credit cards

Knowing how your credit card works can help you make the most of its many features.

We’re here for you

Is the mycredit Mastercard credit card right for you?

Apply online in just 5 minutes.


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Little details that matter 

Duration of the promotion

June 1 to September 17, 2023.  

Card eligible for the promotion

National Bank mycreditTM Mastercard® credit card. 

Promotional benefits

  • $75 cashback after signing up for the eligible credit card and making the minimum required purchases. 
  • $60 cashback after enrolling in the Credit Card Payment Protection Plan for at least 3 months. 

Conditions of the promotion

You must sign up for the eligible card no later than September 17, 2023.  

In addition, you cannot be the primary cardholder of a National Bank Mastercard® (Personal Banking) or have been over the previous 24 months. The account must be open and in good standing at the time the cashback is applied to the credit card account. 

The following additional conditions apply to each promotional benefit: 

  • Welcome offer cashback rewards

You can get a $75 cashback if you charge $400 or more in net purchases per month on the credit card during the first 3 months after the account was opened. 

Calculation of net purchases begins when the account is opened and continues for three consecutive months. If the conditions are met, $75 in cashback will be credited to the credit card account in a single disbursement no later than on the 5th statement after the account was opened. 

  • Cashback when you sign up for credit card payment insurance  

You will earn $60 if you sign up for the Credit Card Payment Protection Plan for a minimum of 3 months. To obtain the cashback reward, complete the sections to apply for the Credit Card Payment Protection Plan (CCPPP) in the credit card application.   

Your cashback will be credited to your credit card account in a single disbursement and appear on your statement no later than on the 5th statement after the account was opened. 

Cashback conditions  

Net purchases: The net purchase total is the amount of purchases charged to the account minus any returned items and refunds. Annual fees, balance transfers, cash advances (including transactions that can be directly converted to cash, such as money orders, bank transfers, traveller’s cheques and gaming transactions), interest charges and any other fees or adjustments not considered purchases are not included in the calculation of net purchases. 

Account in good standing: An account related to the credit card and not contravening in any way the Agreement governing the use of the credit card and on which no restrictions are applied. 

Cashback limit: There’s a limit of one cashback reward per account and per client for the welcome offer reward, and one cashback reward for signing up for the Credit Card Payment Protection Plan throughout the promotion regardless of how many cards are associated with the account. 

Other conditions

  • Issuance of the card is subject to credit approval by National Bank of Canada. Certain conditions apply to the issue of the card. 
  • The promotion may not be combined with any other promotion applicable to National Bank credit cards, nor is it retroactive. 
  • You must not be employed by us or by an entity in our group. 
  • The promotion may be modified or withdrawn without notice. 

®MASTERCARD is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user. 

®NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada. 

TM mycredit is a trademark of National Bank of Canada.





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


Customer service (24/7)

Insurance claim

Lost or stolen card


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

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


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

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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.

®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