Rewards
Base earn rate1 point per $1 spent on all other eligible purchases
ProgramMBNA Rewards Program
Welcome bonus5,000 bonus points ($25 in cash back value) after making $500 or more in eligible purchases within the first 90 days of account opening and 5,000 bonus points ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save with Avis Rent A Car and Budget Rent A Car
minimum 10% off base rates in Canada and U.S., minimum 5% off base rates internationally
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MBNA Payment Plan - make monthly payments on eligible credit card purchases of $100 or over
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Emergency Card Replacement
7-10 day delivery or by courier
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
mobile device
up to $1,000
🛡️
extended warranty
Included — see issuer for details.
🛡️
purchase protection
lifetime total accumulative limit of $60,000 per account
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident