Rewards
Base earn rate0.5% cash back on all other eligible purchases
ProgramMBNA Smart Cash Rewards Program
Welcome bonusEarn 5% Cash Back on eligible gas and groceries purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
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 locations
minimum 10% off base rates (Canada/U.S.), 5% off internationally
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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 Budget locations
minimum 10% off base rates (Canada/U.S.), 5% off internationally
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Emergency Card Replacement on a 7-10 day delivery or by courier available in case of emergency
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Trip Assistance and Legal Assistance including support for Lost Document and Ticket Replacement, Lost Luggage Assistance, Pre-trip Information and Legal Assistance
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Standard 1-hour Credit Line Increase Decisions during regular business hours and Cash Advances at banks and ATMs internationally
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
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purchase protection
lifetime total cumulative limit of $60,000 per account
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extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident