Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026
National Bank ECHO Cashback Mastercard
Our take: strongest for groceries and gas — about 1.5% back in value (est.) for $30 a year.
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- Our review
The National Bank ECHO Cashback Mastercard is a low-fee cash-back card aimed at everyday spenders, offering 1% back on all purchases with an extra 0.5% (1.5% total) on gas, groceries, and most online purchases, up to $25,000 in combined annual spending across those categories. At a $30 annual fee with no confirmed welcome bonus, it can make sense for households with steady grocery and gas spending, though the earn rate is unremarkable compared to no-fee or premium cash-back alternatives.
MoneyMint rating
#9 of 9 cash-back cards · How we rate
≈ $207
estimated first-year value after the annual fee, on a typical $2,050/month budget. See it for your spending →
Not Sure? Three Cards People Compare It With
TD Platinum Travel Visa Card
Pick this instead if you want a bigger welcome bonus (~$250 est.).
Fee $89Rating 3.2 ★Bonus $250
TD Cash Back Visa Card
Pick this instead if you want no annual fee at all.
Fee $0Rating 3.2 ★Bonus $0
National Bank ECHO Cashback Mastercard
Best for groceries and gas · $30/year
This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by National Bank and can change without notice; always confirm current terms on the issuer’s official page before applying.
Frequently Asked Questions
What is the annual fee for the National Bank ECHO Cashback Mastercard?
The National Bank ECHO Cashback Mastercard has an annual fee of $30.
What is the rewards rate on the National Bank ECHO Cashback Mastercard?
The National Bank ECHO Cashback Mastercard offers: 1% base cash back on all purchases (uncapped), plus additional 0.5% (1.5% total) on gas, groceries, and eligible online purchases, capped at first $25,000/yr combined in those categories
Does the National Bank ECHO Cashback Mastercard have a welcome bonus?
Not currently confirmed Most current sources report no active welcome bonus. One older source mentions a possibly-expired 3% introductory online-purchase rate. Do not advertise a bonus without live verification.
What credit score do I need to qualify for the National Bank ECHO Cashback Mastercard?
Generally, you’ll want a good credit score to be considered for the National Bank ECHO Cashback Mastercard. Approval also depends on income and overall credit history, not credit score alone.
Does the National Bank ECHO Cashback Mastercard charge foreign transaction fees?
2.50%