The National Bank Visa Cashback card is National Bank of Canada’s no-annual-fee cash back credit card. It provides a straightforward way for Canadians to earn cash back on everyday purchases without paying a yearly fee—making it a solid entry-level choice, particularly for Quebec residents and National Bank banking clients.
Quick Verdict
Best for: National Bank customers who want a no-annual-fee cash back card for everyday spending.
Not ideal for: Heavy spenders who would benefit from the higher earn rates and travel benefits of a premium National Bank card.
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | $0 CAD |
| Network | Visa |
| Reward Type | Cash back |
| Income Requirement | None stated |
| Purchase Interest Rate | 19.99% |
| Cash Advance Rate | 22.99% |
| Foreign Transaction Fee | 2.5% |
Note: Cash back rates and features are subject to change. Visit nbc.ca for current details.
Cash Back Rates
National Bank’s Visa Cashback earns on everyday purchases. Visit nbc.ca for current earn rates by category.
Benefits and Perks
- No annual fee — zero cost
- Cash back on eligible purchases
- Purchase protection on eligible items
- Extended warranty on eligible purchases
- National Bank online banking integration
National Bank Cashback Cards Comparison
| Card | Annual Fee | Rewards | Best For |
|---|---|---|---|
| National Bank Visa Cashback | $0 | Cash back | Entry no-fee cash back |
| National Bank Echo Cashback Mastercard | $0 | Cash back | NB’s no-fee Mastercard CB option |
| National Bank World Elite Mastercard | Varies | ncRewards | Premium travel NB card |
Who Is This Card Best For?
- National Bank banking clients who want a linked cash back card
- Quebec residents with a preference for National Bank
- Budget-conscious Canadians who want no-fee rewards
Alternatives
| Card | Annual Fee | Cash Back | Best For |
|---|---|---|---|
| Tangerine Money-Back Card | $0 | 2% (3 categories) | Highest no-fee cash back flexibility |
| BMO CashBack Mastercard | $0 | Up to 3% groceries | Best no-fee grocery cash back |
| Scotiabank Momentum No-Fee Visa | $0 | Up to 1% | Scotia banking clients |
Bottom Line
The National Bank Visa Cashback card is a dependable no-annual-fee option for NB customers who want to earn cash back on everyday spending. For Canadians not specifically tied to National Bank, flexible competitors like Tangerine may offer better category earn rates at zero cost.
Disclaimer: Card terms and earn rates are subject to change. Verify all current details at nbc.ca before applying.