National Bank · Mastercard · Cash back
Reviewed 2026-07-06 · By The Points Standard editorial team
National Bank ECHO Cashback Mastercard
A fine low-fee cash-back card, but the $30 fee is hard to justify against free alternatives earning similar rates.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 4.53/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $30 |
| Welcome bonus | No standing welcome bonus confirmed — check current promotional offers before applying |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $80 |
Earn rates
| Gas, groceries, online purchases (first $25,000/year) | 1.5% |
| Everything else / spend beyond $25,000 | 1% |
Why it earns its score
- Simple, uncapped-category cash back at a low $30 fee
- 1.5% on gas, groceries, and online purchases covers most households' biggest spend
- No minimum redemption threshold
Where it loses points
- $30 fee undercuts the value versus genuinely free 1%+ competitors
- 1.5% rate isn't category-leading
- No travel insurance
Who it's for
National Bank clients who want simple, broad cash-back categories without tracking a complex rewards program.
Who should skip it
You want a genuinely free card — mycredit Mastercard or Tangerine Money-Back earn similar rates with no fee.
Included insurance
Purchase protection
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.