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Canada · personal card · National Bank of Canada

mycredit Mastercard review

Earn up to 1% cashback on pre-authorized payments and restaurant purchases, with free mobile protection.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
mycredit Mastercard

Key facts

Issuer
National Bank of Canada
Network
Mastercard
Annual fee
$0
Purchase rate
20.99%
Cash advance rate
22.49%
Balance transfers
22.49%
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Mobile protection; Extended warranty
Est. net value / yr
$36 ($36 rewards − $0 fee)

Rewards

Earn up to 1% cashback on pre-authorized payments and restaurant purchases, with free mobile protection.

Earn rates the issuer states: dining 1%. Up to 1%; categories are pre-authorized payments and restaurants

How we put this page together

Every figure here was read on National Bank of Canada’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Rates/fees read from the product data embedded in the page (productPricing fields). FX fee not stated. FX fee read on issuer document: https://www.nbc.ca/personal/help-centre/credit-card/fees-rates-limits/fees-foreign-currency-credit-card.html

Frequently asked questions

What is the annual fee on the mycredit Mastercard?

$0, as read on National Bank of Canada’s website on October 7, 2026.

Is there a foreign transaction fee on the mycredit Mastercard?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the mycredit Mastercard?

The issuer’s page did not state a minimum income when we read it.

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Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.