NBC mycredit Mastercard  🇨🇦

Welcome Bonus
No Welcome Offer
  • No annual fee
  • Purchase Insurance
  • Accepted at Costco
Annual Fee
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.49 %
Balance Transfer Rates
22.49 %
Best credit card Newcomers- Reversed

NBC mycredit Mastercard
NBC mycredit Mastercard
No Welcome Offer
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  • 1% cashback on purchases in restaurants and eligible recurring pre-authorized payments
  • 0.5% cashback on other eligible purchases
  • Mobile protection: Get insured against theft or damage for up to 2 years following the purchase of your mobile device

Card Awards

Best credit card – newcomers
Best Credit card for Newcomers

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.49%
Balance Transfer Rates 22.49%




Per dollar of purchases

All Spending 0.5 %
Groceries 0.5 %
Gas 0.5 %
Dining and Food delivery 1 %
Convenience Stores 0.5 %
Drugstores 0.5 %
Local Transport 0.5 %
Travel 0.5 %
Entertainment 0.5 %
Recurring Payments 1 %
Telecom/Internet 1 %
Streaming services 0.5 %
Online transactions 0.5 %
Office Supplies 0.5 %


Travel Insurance

Insurance Name
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
2 year(s)
Price Protection

Our review

With the National Bank mycredit Mastercard, you get:

  • 1% cash back on restaurant purchases and recurring pre-authorized payments
  • 0.5% cash back on all other purchases

And since it’s a National Bank Mastercard credit card, you can use it at Costco.

Cash back is automatically applied to your credit card statement every billing cycle.

This is a credit card we recommend for those new to credit cards and want a no-fee credit card. Especially since this credit card comes with some insurance for your purchases, including mobile device insurance (which is rare for a no annual fee credit card ).

Frequently Asked Questions

Alternative Cards

4.1 Milesopedia Rating