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3.4
/5
MBNA
Mastercard
MBNA Rewards Platinum Plus Mastercard® (QC)Points Calculator
Receive up to 10,000 bonus points††
This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.
Our Take
The MBNA Rewards Platinum Plus MasterCard is a solid no-annual-fee card choice with high returns on restaurant and grocery purchases, which are the most common spending categories for most people. Additionally, it offers one of the highest signup bonuses for a no-annual-fee card. However, there are two main considerations before choosing this card. If you are open to a card with an annual fee, many other cards offer better rewards. Furthermore, the points earned need to be used for travel to fully benefit from this card; otherwise, if you are not planning to use the points for travel, you are better off with a cashback or another type of card.
Exclusive · From FinlyWealth$50 rebate
Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 21.99%
Balance Transfer: 21.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Welcome Bonus
- Receive 5,000 bonus points†† ($25 in cash back value) after your first eligible purchase within the first 90 days of account opening
- Receive 5,000 bonus points†† ($25 in cash back value) once enrolled for e-statements within the first 90 days of account opening
- This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3.4/5
Institution
MBNA
How You Earn Rewards
- 2 points‡ for every $1 spent on restaurant, grocery, digital media, membership and household utility purchases (these earn rates apply until $10,000 is spent annually in the applicable category)
- 1 point‡ for every $1 spent on all other eligible purchases
- Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
3 insurance
2 benefits
Insurance
Coverage
Mobile Device Insurance
$1000
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year
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 10,000 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
Pros & Cons
Pros
- Top no-fee contender
- Impressive optimization
- Generous welcome bonus
- Annual birthday bonus
Cons
- Low non-travel value
- Relatively weaker reward rates
Legal
‡, ††, ✪, ***, Terms and Conditions apply.
This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.
Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% 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.