Best MBNA Credit Cards in Canada - September 2026

Receive up to 30,000 bonus points (approximately $250 cash back value):

• 20,000 bonus points^†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
• 10,000 bonus points^††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• Quebec residents: the welcome bonus totals 20,000 points: 15,000 bonus points^†† after your first eligible purchase (no minimum spend required) and 5,000 bonus points^†† once enrolled for paperless e-statements.
• Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases
• 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 15,000 Points.
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and 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.
• $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
• To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater^††††.

Accelerate rewards points on common purchases!

• Earn 4 points^†† per dollar spent on all eligible restaurant or grocery purchases, digital media, subscriptions, and household utilities during the first 90 days, and earn 2 points‡ per dollar spent on all eligible purchases in these categories thereafter. In both cases, these accumulation rates apply until $10,000 is spent annually in the applicable category; 1 point‡ per dollar spent on all other eligible purchases.
• Receive 5,000 bonus points^†† ($25 cash back) after you make eligible purchases of at least $500 within 90 days of account opening.
• Quebec residents: the 5,000 bonus points^†† are awarded after your first eligible purchase (no minimum spend required); the boosted 4-points-per-dollar rate for the first 90 days does not apply in Quebec.
• 5,000 bonus points^††($25 in cash back value) once enrolled for paperless 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 cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and 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.

Accelerate cash back on common purchases!

• Get 5% Cash Back^†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 1% cash back‡ on all other eligible purchases
• $39 annual fee
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)
• Your personal annual income must be over $50,000, or your household annual income must be $80,000 or more^††††

Enjoy a card offering cash back on eligible purchases. Apply now for the Smart Cash^® World credit card.

This card is available across Canada. Quebec residents: apply here.

Accelerate cash back on common purchases!

• No annual fee
• Get 5% Cash Back^†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
• Get 0.5% Cash Back‡ for all other eligible purchases
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for a Smart Cash Mastercard.

This card is available across Canada. Quebec residents: apply here.

• $39 annual fee
• Standard Annual Interest rates of 10.99% on purchases, 13.99% on balance transfers, and 24.99% on cash advances
• Rates and fee structures may differ for Quebec residents.
• This card is made entirely of recycled plastic
• Around-the-clock-fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account.

• No annual fee
• Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances.
• Rates and fee structures may differ for Quebec residents.
• You could get a 0% promotional annual interest rate (“AIR”)^† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee. This promotional offer is not available to residents of Quebec.
• This card is made from 100% recycled plastic.
• Around-the-clock fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account.

Apply for the MBNA True Line^® Mastercard^® credit card today

• Receive an $85 Amazon Gift Card + get 5% back on Amazon.ca, at Whole Foods Market stores in Canada, at the grocery store, and at restaurants for the first 6 months! (Valid on the first $3,000 in eligible purchases^††.)
• Earn rewards on all your eligible purchases on Amazon.ca – and at Whole Foods Market stores in Canada^‡!
• Get 1% back on eligible purchases on Amazon.ca, at Whole Foods Market stores in Canada, and on foreign currency transactions with an eligible Prime membership^‡.
• Otherwise, get 1.5% back on Amazon.ca and at Whole Foods Market stores in Canada^‡.
• Get 1% back on all other eligible purchases, everywhere Mastercard is accepted^‡.
• Use your rewards on Amazon.ca – redeem your rewards directly for eligible Amazon.ca items.
• No annual credit card fees

Please read our guide about Amazon Prime.