Credit Cards

ECHO® Cashback Mastercard® credit card review: learn how it works!

Read this ECHO® Cashback Mastercard® credit card review article to learn how the card works and decide if it is a good option for you.

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by Aline Augusto

Published on 06/28/2022

ECHO® Cashback Mastercard® credit card: up to 1.5% cashback on your daily purchases.

Check out how to earn up to 1.5% cashback on your daily purchases with this credit card! Source: The Mister Finance.
Check out how to earn up to 1.5% cashback on your daily purchases with this credit card! Source: The Mister Finance.

Another option from National Bank is a rewards card for those who want to earn cashback on daily purchases, including groceries, gas, and online purchases. So, if you are looking for a credit card to use on your day-to-day, you may have just found a good option on this ECHO® Cashback Mastercard® credit card review.

Credit ScoreNot disclosed
Annual Fee$30
Regular APRFrom 20.99% on purchases to 22.49% on cash advances and balance transfers
Welcome bonusNone
RewardsUp to 1.5% cashback on groceries, gas, and online purchases;
1% cashback on everything else
ECHO® Cashback Mastercard® credit card review

How to apply for ECHO® Cashback Mastercard® card

Earn up to 1.5% cashback on your daily purchases with an ECHO® Cashback Mastercard® credit card. Learn how to apply for it!

This card is best for accumulating rewards. Therefore, if you go out to dinner at restaurants, spend a lot on gas and groceries, or even like to purchase online, maybe you should consider a cashback card to reward you on day-to-day expenses. 

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How does the ECHO® Cashback Mastercard® credit card work?

National Bank features ECHO® Cashback Mastercard®, a credit card specially designed for those who spend a lot on day-to-day purchases. 

The card offers up to 1.5% cashback on eligible purchases, including gas, groceries, and online purchases.

However, you must be aware of the criteria. The base rate is 1%, and it is applied if you manage to keep your account in good standing.

Also, the additional 0.5% is applied as long as you don’t exceed $25,000 on eligible purchases in the year.

The rewards are paid in credit to your account. 

Like any other National Bank credit card, this Mastercard comes with an essential security package, which includes an extended warranty, protection against fraud, damage, and theft, a contactless payments option, and an ID Check for online purchases.

Moreover, ECHO is part of the Priceless Cities program that includes many benefits and perks for travelers.

On the other hand, there is an annual fee of $30, and the APR ranges from 20.99% on purchases to 22.49% on cash advances and balance transfers.

How good does your credit score need to be?

Keep reading our ECHO® Cashback Mastercard® credit card review. Source: Canva.
Keep reading our ECHO® Cashback Mastercard® credit card review. Source: Canva.

Although the credit score needed is not fully disclosed, it is recommended you have at least average punctuation for the application.

Also, you must be a Canadian resident at the age of majority to be able to apply for it.

ECHO® Cashback Mastercard® credit card highlights

ECHO Cashback Mastercard is a good choice for those who spend a lot on day-to-day purchases, especially when it comes to gas, groceries, and online purchases.

Also, the card comes with a good protection package and some Mastercard perks, including the Priceless Cities program that allows you to experience the best from the cities you are in.

Pros

  • ECHO offers up to 1.5% cashback on eligible purchases;
  • It provides you with an essential protection package;
  • It comes with Mastercard benefits and perks;
  • National Bank is ranked as one of the best in customer experience.

Cons

  • It charges an annual fee;
  • The rewards are redeemed for credit only.

How to apply for ECHO® Cashback Mastercard® credit card?

Now, it is time for you to get your ECHO® Cashback Mastercard® credit card. So, learn how to apply for it on the next post.

ECHO® Cashback Mastercard® credit card review

How to apply for ECHO® Cashback Mastercard® card

Earn up to 1.5% cashback on your daily purchases with an ECHO® Cashback Mastercard® credit card. Learn how to apply for it!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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