
Pros
- ✓Welcome Bonus: 10,000 points
- ✓Purchase protection included
- ✓No annual fee
Cons
- ✗Foreign Transaction Fee (2.5%)
Our Review
The MBNA Rewards Platinum Plus® Mastercard® is one of the best no-annual-fee credit cards in Canada.
With this card, you can earn 2 points per dollar on:
- Dining
- Grocery purchases
- Digital media purchases (Netflix, Spotify, etc.)
- Memberships
- Household utility purchases (electricity, etc.)
And 1 point per dollar everywhere else. This is the best MBNA credit card with no annual fee.
For a limited time, you can earn 10,000 bonus points as a welcome bonus, a $100 value for travel purchases charged to your account.
Rewards
All Spending
1x
MBNA Rewards pts per dollar
Groceries
2x
Telecom
2x
Restaurants
2x
Recurring
2x
Streaming
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
43,440
MBNA Rewards/yr
Estimated Value
$434
After Fees
+$434
1st Year Value
$534
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Interest Rates
- Purchase Rate21.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
Accelerate rewards points on common 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.
- 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, 21.99% on balance transfers✪, and 21.99% 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.
Legal
‡, ††, ✪, ***, Terms and Conditions apply.
This offer is only available to residents of Quebec. For residents of other provinces/territories please click here.
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 about this MBNA credit card, click on the « Apply Now » button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 MBNA. All trademarks are property of their respective owners.



