NBC mycredit Mastercard

NBC mycredit Mastercard
Welcome Bonus
No Welcome Offer
Annual Fee
$0
  • No annual fee
  • Purchase Insurance
  • Accepted at Costco
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.49 %
Balance Transfer Rates
22.49 %
Best Credit card for Newcomers

Offer

  • 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 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%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Costco

Earnings

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 %

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
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

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Insurance Document

Our review

With the NBC 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 ).

3.5 Milesopedia Rating