Rewards
Base earn rate1 point per $1 on all other eligible purchases
ProgramMBNA Rewards Program
Welcome bonusEarn up to 30,000 bonus MBNA Rewards Points for cash back, gift cards and more
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Save a minimum of 10% off the base rates in Canada and the U.S., and a minimum of 5% off the base rates internationally, on qualifying car rentals at participating Avis and Budget locations
minimum 10% off in Canada and U.S.; minimum 5% off internationally
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Emergency Card Replacement on a 7-10 day delivery or by courier
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Trip Assistance and Legal Assistance including support for Emergency Cash Transfer, Lost Document and Ticket Replacement, Lost Baggage Assistance, Pre-trip Information and Legal Assistance while travelling
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The MBNA Payment Plan can make it more convenient to pay for large purchases and manage your budget. Pay for eligible credit card purchases of $100 or over by making monthly payments.
Choose from three Payment Plan terms: 6, 12 or 18 months
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
travel medical
up to $2 million
🛡️
baggage delay
up to $1,000 per insured person per trip
🛡️
flight delay
up to $500 per insured person
🛡️
rental car
Included — see issuer for details.
🛡️
mobile device
up to $1,000
🛡️
purchase protection
maximum of $500 per item and $1,000 per account per calendar year
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident