mycredit Mastercard
National Bank of Canada · MASTERCARD
The mycredit Mastercard is a credit card from National Bank of Canada on the MASTERCARD network. It has an annual fee of C$0. It earns 1% on dining & restaurants, 1% on bills & utilities, 0.50% on everything else. The welcome offer is The card that offers up to 1% cashback on your purchases and exclusive mobile protection.
Key facts
- Annual fee
- C$0
- Purchase APR
- 20.99%
- Network
- MASTERCARD
- Welcome offer
- The card that offers up to 1% cashback on your purchases and exclusive mobile protection.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | 1% | Unlimited 1% on Restaurants purchases and recurring pre-authorized payments |
| Bills & utilities | 1% | Unlimited 1% on Restaurants purchases and recurring pre-authorized payments |
| Everything else | 0.50% | 0.5% unlimited on All other purchases |
Benefits and perks
- No annual fees
- Up to 1% cashback on eligible purchases
- Exclusive mobile protection
- Purchase protection: Protect most of your new purchases from theft or damage for up to 90 days after the date of purchase. 6
Rates and fees
Annual membership fee: C$0. Purchase APR: 20.99%, based on creditworthiness and the Prime Rate. Balance transfer APR: 22.49%. Cash advance APR: 22.49%.
Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the mycredit Mastercard
What is the annual fee on the mycredit Mastercard?
The mycredit Mastercard has an annual fee of C$0.
What rewards does the mycredit Mastercard earn?
The mycredit Mastercard earns 1% on dining & restaurants, 1% on bills & utilities, 0.50% on everything else.
Is the mycredit Mastercard worth it?
The mycredit Mastercard is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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