加国信用卡 – 国家银行 mycredit Mastercard 介绍,$135开卡礼

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国家银行 mycredit Mastercard是一张入门卡,返现和福利都不算太高,但胜在容易申请要求不高。如果申请 National Bank World Elite Mastercard 有难度,也可以转为先申请这张卡作为入门,之后再转卡。

最新优惠


2023年8月31日前,$75开卡礼,$400消费挑战。再加上额外$60开卡礼,需要加上信用卡付款保障计划,并保留3个月或以上。

  • $60 cashback after enrolling in the Credit Card Payment Protection Plan for at least 3 months.

2023年3月1日-4月30日:

  • $75开卡礼,$1500消费挑战。

评分


长期持卡4.0 / 5
消费回报3.0 / 5
福利保险3.0 / 5
外观设计3.0 / 5

信用卡申请101


以下对每项主要福利进行分析一下。

福利介绍


  • 餐厅和付帐单1%消费返现;
  • 其它任何消费0.5%消费返现。

其它福利还包括:

  • 手机保险 Mobile Device Coverage – 2年,上限为1千。
  • 购物保险 Extended Warranty – 1年
  • 购物丢失 Purchase Protection – 90天

年费评估


这张卡没有年费,属于无脑申。

申卡要求


无收入申请要求。

网上申卡


如果对这张卡有兴趣的话,点击下面申请键可以直接跳转到Nation Bank Canada银行的官方申请英文网页(开卡礼相同)。申请直达网页:

Legal Disclaimer


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 will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. 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% $9.24 $55.45 
20.99% $8.63 $51.76 
12.90% $5.30 $31.81 
8.9% $3.66 $21.95 

*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.

Cashback details

Subject to credit approval by National Bank of Canada.  The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments that are automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].

Mobile device protection

Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.

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DNE

请教下:如果之后再转卡的话,开卡礼还是跟直接申请National Bank World Elite Mastercard一样吗?或者说有啥区别

DNE

行,我想想看