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Card Details
Interest Rates
Purchase: 19.99%*
Cash Advance: 24.99%*
Balance Transfer: 22.99%*
* Important Notice - Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement, the following rates apply: Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
Annual Fees
Main Card: $39
Additional Cards: $0
Annual Income
Personal: $50,000
Household: $80,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
- 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)
- This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Our Rating
3.1/5
Institution
MBNA
How You Earn Rewards
- Get 2% Cash Back‡ on eligible gas and grocery purchases (until the total gas and grocery purchases in the applicable month reaches $500)
- Get 1% Cash Back‡ for all other eligible purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
Up to 90 days
Price Protection
$500/item, $1,000/year
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
Up to 31 days
Car Rental Accident
$200,000.svg)
Car Rental Personal Effects
$1,000/person, $2,000/occurence
Travel Accident
$1,000,000
Benefits
Details
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
Support for emergency cash transfer, lost document and ticket replacement, lost baggage assistance, pre-trip information and legal assistance while traveling
Pros & Cons
Pros
- 5% cash back on gas and groceries for the first 6 months: A solid introductory offer for essential spending categories.
- Up to 2% cash back: Earn 2% on gas and grocery purchases up to $500 monthly.
- Comprehensive insurance: Includes 8 types of insurance, including rental car and price protection.
- Flexible reward redemption: Redeem cash back as a statement credit, deposit to a bank account, or donate to charity.
Cons
- High income requirements: $50,000 personal or $80,000 household income needed.
- Cap on rewards for gas and groceries: 2% cash back is limited to $500 in monthly spending for these categories.
Legal
‡, ††, ††††, ✪, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
- Important Notice: Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement
Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
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 on this MBNA credit card, please 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. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.