Ratesopedia
Ranking · Updated May 2026

Best MBNA Credit Cards in Canada

Compare all MBNA credit cards. Rewards, Smart Cash, True Line, and more reviewed and ranked.

9
cards
Best for: Overall value
MBNA Rewards World Elite® Mastercard®
MBNA Rewards World Elite® Mastercard®
4.2Ratesopedia rating

It comes with a welcome bonus of 30,000 pts. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $833.

Mastercard

Annual Fee

$120

Rewards rate

1x

Mbna Rewards

Welcome Bonus

30,000 pts

1st Year Value

$833

Pros

  • Welcome bonus of 30,000 pts
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $833

Cons

  • Requires good credit
Best for: Overall value
MBNA Rewards World Elite® Mastercard® (Quebec)
MBNA Rewards World Elite® Mastercard® (Quebec)
4.2Ratesopedia rating

It comes with a welcome bonus of 20,000 pts. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $733.

Mastercard

Annual Fee

$120

Rewards rate

1x

Mbna Rewards

Welcome Bonus

20,000 pts

1st Year Value

$733

Pros

  • Welcome bonus of 20,000 pts
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $733

Cons

  • Requires good credit
Best for: No annual fee
MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®
3.8Ratesopedia rating

The MBNA Rewards Platinum Plus® Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 10,000 pts. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $407.

Best of MonthMastercard

Annual Fee

$0

Rewards rate

1x

Mbna Rewards

Welcome Bonus

10,000 pts

1st Year Value

$407

Pros

  • No annual fee
  • Welcome bonus of 10,000 pts
  • 2x on groceries
  • 2x at restaurants

Cons

  • Fewer premium perks
Best for: No annual fee
MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®
3.8Ratesopedia rating

The MBNA Rewards Platinum Plus® Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 10,000 pts. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $407.

Best of MonthMastercard

Annual Fee

$0

Rewards rate

1x

Mbna Rewards

Welcome Bonus

10,000 pts

1st Year Value

$407

Pros

  • No annual fee
  • Welcome bonus of 10,000 pts
  • 2x on groceries
  • 2x at restaurants

Cons

  • Fewer premium perks
Best for: Cash back
MBNA Smart Cash® World Mastercard®
MBNA Smart Cash® World Mastercard®
3.7Ratesopedia rating

It comes with a welcome bonus of 150 pts. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $399.

Mastercard

Annual Fee

$39

Rewards rate

1x

Cashback

Welcome Bonus

150 pts

1st Year Value

$399

Pros

  • Welcome bonus of 150 pts
  • 2x on groceries
  • Estimated 1st-year value of $399

Cons

  • Requires good credit
Best for: No annual fee
MBNA Smart Cash Platinum Plus® Mastercard®
MBNA Smart Cash Platinum Plus® Mastercard®
3.8Ratesopedia rating

The MBNA Smart Cash Platinum Plus® Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 150 pts. You earn 2x on groceries and 0.5x at restaurants. Estimated first-year value is $396.

Best of MonthMastercard

Annual Fee

$0

Rewards rate

0.5x

Cashback

Welcome Bonus

150 pts

1st Year Value

$396

Pros

  • No annual fee
  • Welcome bonus of 150 pts
  • 2x on groceries
  • Estimated 1st-year value of $396

Cons

  • Fewer premium perks
Best for: No annual fee
Amazon.ca Rewards Mastercard
Amazon.ca Rewards Mastercard
3.8Ratesopedia rating

The Amazon.ca Rewards Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 150 pts. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $390.

Mastercard

Annual Fee

$0

Rewards rate

1x

Cashback

Welcome Bonus

150 pts

1st Year Value

$390

Pros

  • No annual fee
  • Welcome bonus of 150 pts
  • Estimated 1st-year value of $390

Cons

  • Fewer premium perks
Best for: No annual fee
MBNA True Line® Mastercard® credit card - Non Quebec Residents
MBNA True Line® Mastercard® credit card - Non Quebec Residents
3.3Ratesopedia rating

The MBNA True Line® Mastercard® credit card - Non Quebec Residents has no annual fee, making it risk-free to hold. You earn 0x on groceries and 0x at restaurants.

Best of MonthMastercard

Annual Fee

$0

Rewards rate

0x

Welcome Bonus

1st Year Value

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates
Best for: Overall value
MBNA True Line Gold Mastercard® – Non Quebec Residents
MBNA True Line Gold Mastercard® – Non Quebec Residents
3.0Ratesopedia rating

You earn 0x on groceries and 0x at restaurants. Estimated first-year value is $-39.

Mastercard

Annual Fee

$39

Rewards rate

0x

Welcome Bonus

1st Year Value

$-39

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Modest reward rates

Complete Guide

Best MBNA Credit Cards in Canada

Compare all MBNA credit cards. Rewards, Smart Cash, True Line, and more reviewed and ranked.

MBNA Credit Card Lineup

MBNA (owned by TD Bank) offers 9 credit cards with a focus on rewards, cash back, and low-interest options. They’re known for competitive balance transfer promotions and straightforward rewards programs.

Key Cards

The MBNA Rewards World Elite Mastercard offers strong earn rates and travel benefits. The MBNA Smart Cash Platinum Plus is popular for its cash back on groceries. The MBNA True Line cards are among Canada’s best low-interest options.

9

Cards analyzed

May 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1What is the best MBNA credit card?

The MBNA Rewards World Elite Mastercard is their top card for rewards. For low interest, the MBNA True Line Mastercard offers rates as low as 12.99%.

2Does MBNA offer balance transfer promotions?

Yes. MBNA frequently offers promotional balance transfer rates, sometimes as low as 0% for the first several months.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.