Rewards
Base earn rate1 point per $1 on all other eligible purchases
ProgramMBNA Rewards Program
Welcome bonusEarn up to 30,000 bonus MBNA Rewards Points for cash back, gift cards and more
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Emergency Card Replacement
7-10 day delivery or by courier
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Trip Assistance and Legal Assistance
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Services include Emergency Cash Transfer, Lost Document and Ticket Replacement, Lost Baggage Assistance, Pre-trip Information and Legal Assistance while travelling
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Cash Advances at banks and ATMs internationally
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Save with Avis Rent A Car and Budget Rent A Car
minimum 10% off base rates in Canada and U.S., minimum 5% off internationally
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Price Protection Service
up to $500 per item, maximum $1,000 per account per calendar year
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MBNA Payment Plan
6, 12 or 18 month terms for purchases $100 or over
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
travel medical
up to $2 million
🛡️
baggage delay
up to $1,000 per insured person per trip
🛡️
trip delay
up to $500 per insured person
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rental car
Included — see issuer for details.
🛡️
mobile device
up to $1,000
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident