Rewards
Base earn rate1% cash back on all other eligible purchases
ProgramMBNA Smart Cash Rewards Program
Welcome bonusEarn 5% Cash Back on gas and groceries for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
Rewards typecashback
Fees & rates
Annual fee$39
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 base rates in Canada and the U.S., and a minimum of 5% off base rates internationally on qualifying car rentals at participating Avis locations
minimum 10% off (Canada/US), 5% off (international)
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Save a minimum of 10% off base rates in Canada and the U.S., and a minimum of 5% off base rates internationally on qualifying car rentals at participating Budget locations
minimum 10% off (Canada/US), 5% off (international)
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Price Protection Service: If you find the same product advertised in Canada at a lower price within 60 days after purchase, the difference will be refunded
up to $500 per claim, maximum $1,000 per calendar year per account
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MBNA Payment Plan: Make monthly payments on eligible purchases of $100 or over
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Emergency Card Replacement on 7-10 day delivery or by courier
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Trip Assistance and Legal Assistance including Lost Document and Ticket Replacement, Lost Luggage Assistance, Pre-trip Information and Legal Assistance
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
up to $60,000 lifetime total accumulative limit per account
🛡️
extended warranty
up to one additional year
🛡️
rental car
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident