Rewards
Base earn rate1 point per $1 spent on all other eligible purchases
ProgramMBNA Rewards Program
Welcome bonus5,000 bonus points ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of account opening and 5,000 bonus points ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening. Additional 4 points per $1 on restaurant, grocery, digital media, membership, and household utility purchases for the first 90 days (on top of regular earn rate).
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save a minimum of 10% off base rates in Canada and the U.S., and minimum 5% off base rates internationally on qualifying car rentals at participating Avis locations
minimum 10% off base rates (Canada/US), minimum 5% off (international)
⭐
Save a minimum of 10% off base rates in Canada and the U.S., and minimum 5% off base rates internationally on qualifying car rentals at participating Budget locations
minimum 10% off base rates (Canada/US), minimum 5% off (international)
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
mobile device
up to $1,000
🛡️
extended warranty
Included — see issuer for details.
🛡️
purchase protection
$60,000 lifetime total accumulative limit per account
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident