Rewards
Base earn rate1% cash back on all other eligible purchases
ProgramMBNA Smart Cash Rewards Program
Welcome bonusEarn 5% Cash Back on eligible gas and groceries purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
Rewards typecashback
Fees & rates
Annual fee$39
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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Save a minimum of 10% off base rates in Canada and U.S., and minimum 5% off base rates internationally on qualifying car rentals at Avis
minimum 10% off Canada and U.S., 5% off internationally
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Save a minimum of 10% off base rates in Canada and U.S., and minimum 5% off base rates internationally on qualifying car rentals at Budget
minimum 10% off Canada and U.S., 5% off internationally
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Emergency Card Replacement on 7-10 day delivery or by courier
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Trip Assistance including Lost Document and Ticket Replacement, Lost Luggage Assistance, Pre-trip Information
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Legal Assistance
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1-hour Credit Line Increase Decisions during regular business hours
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Cash Advances at banks and ATMs worldwide
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Price Protection - if same product found advertised in Canada at lower price within 60 days, difference refunded
up to $500 per claim, $1,000 per calendar year maximum
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
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rental car
Included — see issuer for details.
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purchase protection
60000 lifetime total accumulative limit per account
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extended warranty
up to one additional year
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident