Photo of two women checking a mobile phone in a restaurant.

mycredit Mastercard

Benefit from cashback on your pre-authorized payments and restaurant purchases, as well as free mobile protection.

${p1.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p1"}

Photo of the mycredit Mastercard credit card

Discover the mycreditTM Mastercard®

Picto of a dollar coin

Up to 1% cashback1 

Picto of a phone and a shield

Mobile protection4 

Picto of a shield and a clock

Extended warranty on purchases5 

Annual fee


Purchase rate

20.99 %

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

22.49 %

${p1.urlBoiteLogin|link:"Apply now":"btn btnRTE3 modal-token index-p1"}

Fill out our secure online form

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

The benefits of your mycredit Mastercard

Picto of a gift with a dollar sign

Even more benefits

Get up tp 1% cashback on restaurant purchases and recurring pre-authorized payments1

Picto of a broken mobile phone and a shield

Mobile protection

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

Picto of a shield and a clock

Extended warranty

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

Purchase protection

Protect most of your new purchases from theft or damage for up to 90 days after the date of purchase.6

Picto of a face and a magnifying glass

Secure online purchases

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

Picto of a crossed-out face

Fraud protection

Benefit from Mastercard's Zero Liability policy7: you won't be liable for unauthorized transactions completed with your card.

Enjoy cashback and other useful benefits

How do I enjoy my cashback?

Features to help your everyday life

Get a quick response to your application 

Apply online from the comfort of your home and get an answer in minutes. 

${p1.urlBoiteLogin|link:"Get your card":"btn btnRTE3 modal-token index-p1"}

Image of a padlock  Secure online form 

Not the right credit card for you?

The National Bank ECHO® Cashback Mastercard® credit card may be better suited for you:

  • Earn up to 1.5% cashback on gas, groceries, and online purchases
  • Get purchase insurance in case of loss, theft or damage for up to 90 days
  • Extend the manufacturer's warranty period by up to twice its normal period 

We’re here for you

Drawing of a credit card

Want to apply for the mycredit Mastercard credit card?

Apply online. It’s quick and easy.

${p1.urlBoiteLogin|link:"Get your card":"btn btnRTE3 modal-token index-p1"}

Drawing of a silhouette with the National Bank logo

Need personalized advice?

Our advisors are here to answer all of your questions

Drawing of a question mark in a circle

Need additional assistance?

Find all the answers to your questions in our Help centre.

Little details that matter 





Annual fee 2

${p1.productPricing.AF_CRD.productPricingValue | amount: "true"}

Annual fee for additional card

${p1.productPricing.AF_CRD_SUP.productPricingValue | amount: "true"}

Purchase rate


Balance transfer and cash advance rate 2-3


Minimum credit limit 7

${p1.productCriteria.AMTRANGE.criteriaLowerValue | amount:"true"}


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

Consult the${p1.guideDistr|link:"Summary":"":"_blank" }[PDF] and the${p1.certif|link:"Insurance Certificate":"":"_blank" }[PDF]

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

${p1.assuranceAchats} days following the purchase date

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].

There are two main elements of a joint credit card:

  • The primary cardholder’s name will be the one that appears on the credit card contract. This person can decide to add up to three authorized users to their account, as well as remove them at any time. They must meet all the eligibility criteria to apply for a credit card. 
  • An authorized user has their own card and PIN. However, all transactions made by that person are charged to the primary cardholder’s account. An authorized user could be a spouse, a child aged 16 or older, or a friend. The designated person doesn’t need to meet all of the eligibility criteria to access their card. 

Please remember that the primary cardholder is responsible for paying any outstanding balances and managing the account. This also means that they’re the ones who will receive any cashback generated by the account. If any disagreements or separations occur, the authorized users and primary cardholder must agree on how to proceed. 

The authorized user doesn’t receive a statement and doesn’t have access to transaction details and account information, including the credit card limit. However, both cardholders can enjoy the benefits of their card. They can also change their respective PINs, as well as cancel or replace their cards.

How do I get a joint credit card?

If you’re applying for a new credit card, answer “Yes” to the “Do you need an additional card” question in our application form.

If you’d like an additional card for an existing account, fill out our credit card application or call us at 1-888-622-2783. 

Please note that there’s an annual fee for an additional credit card. 

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

™MYCREDIT is a trademark of National Bank of Canada.

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

TM ID Check and Identity Check are trademarks of Mastercard International Inc. Authorized user: National Bank.

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.

Example of credit charges over a 30-day period

Annual interest rate

Average balance
















*Variable interest rate in effect on September 1, 2021

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. These protections apply if the purchases or expenses are charged to the National Bank mycredit Mastercard credit card. Extended warranties apply to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is in effect and valid in Canada. Certain conditions and restrictions apply. For more information and details concerning your insurance coverage, please consult the insurance certificate attached to your card.

7. Certain conditions apply. Visit for more information. Refer to the credit card terms and conditions.