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MBNA Rewards World Elite® Mastercard® (QC) Review
The Bottom Line
The MBNA Rewards World Elite® Mastercard® is one of the best reward credit cards in Canada, offering high rewards on frequently spent categories such as groceries and restaurant purchases. The annual birthday bonus, unique to this card, also provides a significant boost to your yearly earnings. Additionally, the card features a comprehensive list of benefits, including price protection—a rare and valuable perk not found with many other cards in Canada. These factors make this card one of the best to have in Canada.
Our choice for: Highest rewards on groceries & dining
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on MBNA's website
This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.
Welcome Bonus
Up to 20,000 points ($165 in cash back value or $200 when redeemed for MBNA Travel)††
Rewards Rate
1x - 5x Points
Points
Annual Fee
$120
Interest Rates
20.99%* / 20.99%*
Rewards
- Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
- 1 point‡ for every $1 on all other eligible purchases.
- Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.
Insurance
Coverage
Mobile Device Insurance
$1000
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
31 days
Flight Delay
$500/person after 4 hours
Travel Accident
$1,000,000
Emergency Out of province Medical
$2M for 21 days
Lost or Stolen Baggage
$1000/personBaggage Delay
$1000/person
Benefits
Details
Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year)
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
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Concierge Services
Price Protection
$500/item, $1000/account per year
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**, ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
This offer is only available to residents of Quebec. For residents of other provinces/territories, please check the main MBNA Rewards World Elite® Mastercard® page.
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. Check here for full details and current product information.
Card Details
Interest Rates
Purchase APR
20.99%*
Cash Advance APR
20.99%*
Balance Transfer APR
20.99%*
* 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, 21.99% on balance transfers✪, and 21.99% on cash advances
Fees
Annual Fee
$120
Additional Cards
$50
Eligibility
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- Both restaurants and groceries earn the most rewards, two of the most commonly spent categories.
- The MBNA rewards world elite Mastercard offers a great annual birthday bonus with up to $150 in value.
- A solid list of travel insurance and benefits.
- Price protection, a rare feature not offered by many other cards.
- Good value for many of the card's redemption options.
Cons
- Trip cancellation and interruption insurance, two great benefits are missing from this card.
- Not the best card for gas purchases.
Get personalized rewards estimates — see exactly how much you could earn.
MBNA Rewards World Elite® Mastercard® (QC) Points Calculator
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on MBNA's website