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MBNA Rewards Platinum Plus® Mastercard®

MBNA Rewards Platinum Plus® Mastercard®

This offer is only available to residents of Quebec. For residents of other provinces/territories please click here.

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Network Provider
Mastercard
Provider
MBNA
Types
Rewards
No Fee
Annual fee
$0
Purchase interest rate
20.99%
Cash advance rate
20.99%
Balance transfer rate
20.99%
Credit Needed
Good (650-749)

Card description

Accelerate rewards points on eligible purchases!

  • 2 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases until $10,000 is spent annually in the applicable category
  • 1 point‡ for every $1 spent on other eligible purchases
  • Receive 5,000 bonus points†† ($25 in cash back value) after your first eligible purchase within the first 90 days of account opening
  • Receive 5,000 bonus points†† ($25 in cash back value) once enrolled for e-statements within the first 90 days of account opening
  • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
  • Redeem points‡ for brand-name merchandise, gift cards from participating retailers, cash back, charitable donations, and travel
  • Standard Annual Interest Rates of 20.99% on eligible purchases, 20.99% on balance transfers✪, and 20.99% on cash advances
  • Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown
  • No annual fee

Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the "Apply Now" button.

About This Card

The MBNA Rewards 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.

MBNA cardholders will receive 5,000 bonus points ($25 in cash back value) after your first eligible purchase within the first 90 days of opening your account. You’ll get another 5,000 points ($25 in cash back value) if you enroll to receive e-statements instead of paper within the first 90 days.

The welcome offer is sure to hook you on the idea of earning points if you’re new to rewards programs. After you collect your bonus points, you’ll continue to earn points at the rate of 1 point for every $1 spent, and 2 points for every $1 spent on groceries, dining out, digital media, memberships, and household utility purchases. You earn 1 point for every $1 spent on everything else.

Be aware, however, of the annual spending cap that applies to purchases in the special categories. You only earn 2 points per dollar on groceries, dining out, digital media, memberships, and household utility purchases until you hit a maximum spend of $10,000 annually in the applicable category. Then, put 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 cash back. You can even make charitable donations with points — no need to redeem them into cash first.

And that's not all. Every year, you get Birthday Bonus Points. The points are equal to 10% of the total number of points earned over the 12 months before the month of your birthday (up to a maximum of 10,000 points).

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 20.99% APR on purchases, 20.99% APR on balance transfers, and 20.99% APR on cash advances.

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‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. The account will earn two (2) points per dollar spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until you spend $10,000 annually (per calendar year) in the applicable category. Other eligible purchases will earn a Base Earn Rate of one (1) point per dollar. Each year, the account will receive Birthday Bonus Points equal to 10% of the total number of Points the account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 10,000 Points. The Birthday Bonus Points will be added to the account before the end of the primary cardholder's birthday month. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer and: (a) in order to obtain a "First Eligible Transaction Bonus" of 5,000 bonus points, the account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed, and (b) in order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca, and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8–10 weeks from the transaction date and the Paperless Statement enrollment for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each of the First Eligible Transaction Bonus and the Paperless Bonus). This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE IS NO FEE FOR THIS TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

***Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy MBNA-0620. To be eligible for Mobile Device Insurance you must use your Account to pay all of your monthly mobile bill payments and any upfront costs or pay at least 75% of the purchase price with your Account when paying the full cost of your mobile device up front. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your Guide to Coverage. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

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