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Mastercard3/4 on file
✓ Annual fee checked
National Bank of Canada · Mastercard

mycredit Mastercard

Bills & UtilitiesCash BackDiningNo Annual FeeRewards

The mycredit Mastercard is a Mastercard from National Bank of Canada with an annual fee of C$0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), earn rates (Sep 2026). Not yet checked with National Bank of Canada: credit requirement. National Bank of Canada’s own page is authoritative — confirm anything you rely on there before you apply.

Annual feeC$0per yearChecked nbc.ca
Top earn rate1%on DiningChecked nbc.ca
Welcome offerNot confirmedNot published by the issuer where we checked ()
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Ledger entry

The receipt

Every cost line we hold for the mycredit Mastercard, exactly as recorded.

Annual fee
C$0Checked nbc.ca
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
NoneNot yet checked with National Bank of Canada
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the mycredit Mastercard. That may mean there isn’t one, or simply that we have not recorded it — National Bank of Canada’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

Published category multipliers for the mycredit Mastercard.

CategoryEarn rateCap
Dining1%No cap on file
recurring pre-authorized payments1%No cap on file
Other0.5%No cap on file
Checked nbc.ca
Included

Perks & benefits

Card benefits

  • Cashback on restaurant purchases and recurring pre-authorized payments
  • Extended warranty coverage
  • Mobile device purchase protection
  • 21-day grace period on purchases
  • Balance transfer option
Next step

Ready to apply for the mycredit Mastercard?

You'll finish the application on National Bank of Canada's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens National Bank of Canada’s site
Questions

Questions about the mycredit Mastercard

How much is the mycredit Mastercard annual fee?

The mycredit Mastercard has an annual fee of C$0. Weigh that against the rewards and perks you will actually use.

What does the mycredit Mastercard earn?

The mycredit Mastercard earns 1% on dining, plus published rates on 2 other categories. The full table is on this page.

What network is the mycredit Mastercard on?

The mycredit Mastercard runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the mycredit Mastercard available in Canada?

Yes — the mycredit Mastercard is issued by National Bank of Canada and is available to eligible applicants in Canada. Approval depends on the issuer's own credit and income criteria.

When were the mycredit Mastercard figures last checked?

We checked its annual fee in September 2026 and its earn rates in September 2026, each against a published document. Not yet checked with National Bank of Canada: credit requirement. Not published by National Bank of Canada where we checked: welcome offer. We could not verify, so we do not print: foreign transaction fee and purchase APR. Check them with National Bank of Canada. Terms can change without notice, so confirm the current details with National Bank of Canada before you apply.