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MBNA Rewards Platinum Plus® Mastercard®

MBNA Rewards Platinum Plus® Mastercard®

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

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Network Provider
Mastercard
Provider
MBNA
Types
Rewards
No Fee
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
22.99%
Credit Needed
Good (650-749)

Card Features

  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits

About This Card

The MBNA Rewards Platinum Plus Mastercard is a rewards card with no annual fee that allows you to collect points with every dollar you spend on eligible purchases. Cardholders receive one point per dollar charged to the card, and have the option of redeeming points for cash back, travel expenses, gift cards and more.

If you're thinking of applying MBNA Rewards Platinum Plus, consider doing it before Feb. 29, 2020, so that you can take advantage of the limited to time welcome offer: 

  • Once the card has been activated, MBNA cardholders will automatically receive 5,000 bonus points after they spend $500 in eligible purchases within the first 90 days. They’ll get another 5,000 points if they enrol to receive e-statements instead of paper ones within the first three months.
  • For the first three months (90 days), you’ll earn 4 points for $1 spent on gas, groceries, and dining out.

After that, here’s what the earn rate looks like: 2 points for every $1 spent on gas, groceries, and dining out, and 1 point for every $1 spent on everything else.

The welcome offer is sure to hook you on the idea of earning points if you’re new to rewards programs.

Be aware, however, of the annual spending cap that applies to purchases in the special categories. You only earn 2 points per dollar on gas, groceries, and dining until you hit a maximum spend of $5,000. The spending cap applies separately to each purchase category — as well as the intro offer. Then, redeem your points towards travel or the brand name merchandise available through the MBNA rewards catalogue.

You also have the option of redeeming them for gift cards from participating retailers. If that isn't appealing, you can ask for cashback. You can even make charitable donations with points — no need to redeem them into cash first.

Conveniently, the MBNA Rewards Mastercard is accepted at more than one million ATMs worldwide, and offers a lower interest charge of 2.5% on all foreign currency conversions, making it an ideal option for travellers.

As for interest, the MBNA Rewards Mastercard charges 19.99% APR on purchases, 22.99% APR on balance transfers, and 24.99% APR on cash advances.

The card comes with 24/7 customer service and around-the-clock fraud protection.

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