Offer

1% cash back on restaurant transactions and recurring direct debits
0.5% cash back on other eligible purchases
Cell phone protection: Your new mobile devices, purchased with your card or by direct debit from your macrédit account, are protected against theft or damage for up to 2 years.

Fees & Conditions

Personal Income $0

Household Income $0

Annual Fee $0

First Additional Card $0

Foreign Transaction Fee 2.5%

Purchase Rates 20.99%

Cash Advance Rates 22.49%

Balance Transfer Rates 22.49%

Advantages

Costco

Earnings

Per dollar of purchases

All Spending 0.5 %

Groceries 0.5 %

Gas 0.5 %

Dining and Food delivery 1 %

Convenience Stores 0.5 %

Drugstores 0.5 %

Local Transport 0.5 %

Travel 0.5 %

Entertainment 0.5 %

Recurring Payments 1 %

Telecom/Internet 1 %

Streaming services 0.5 %

Online transactions 0.5 %

Office Supplies 0.5 %

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 64 years old

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

Lost/Stolen Baggage Insurance

Auto Rental Loss/Insurance

Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

$1,000

2 year(s)

Price Protection

Insurance Document

Alternative Cards

Featured

TD Cash Back Visa* Card

$50 cash back^†

First year value : $230

Apply Now

Featured

TD Cash Back Visa Infinite* Card

$350 cash back^†

First year value : $969

Apply Now

Featured

TD^® Aeroplan^® Visa Infinite* Card

40,000 Aeroplan Points ^†

First year value : $1,503

Apply Now

Legal

Cash back details

Card subject to National Bank credit approval. The cash back is 1% on restaurant purchases and on recurring pre-authorized payments when settled by automatic recurring payments on your macro-credit account. The 0.5% discount applies to all other eligible purchases during a billing cycle. Account must be in good standing at time of rebate payment.Your account is in good standing when you meet the obligations of your credit card agreement (e.g., make the minimum payment by the due date). Eligible pre-authorized payments are defined as regular payments that are automatically charged to your credit card by a merchant. Balance transfers, cash advances and card fees are not included in the rebate calculation. For more information on the conditions and restrictions applying to cash back, consult theCash Back Program[PDF].

Mobile device protection

Subject to purchase of device with card or telephony service subscription paid by recurring pre-authorized payments from your macro-credit account.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate	Average balance
	$500	$3,000
22.49% (regular card)	$9.24	$55.45
20.99% (regular card)	$8.63	$51.76
12.95% (Syncro card)	$5.32	$31.93
8.95% (Syncro card)	$3.68	$22.07

^*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

®MASTERCARD is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

®NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

TM mycredit is a trademark of National Bank of Canada.

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