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Rebate Offer Terms
** Terms and conditions apply.
- Subject to approval.
- For new cardholders only.
- This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 5/5 |
Institution | MBNA |
Loyalty Program |
Fees & Rates
Annual Fee | $120 |
Additional Card Fee | $50 |
Interest Rates | Purchase: 19.99%* Cash Advance: 24.99%* Balance Transfer: 22.99%* |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)†† |
Description | 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening. 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening. This offer is not available for residents of Quebec. |
* 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
How to Get the Rebate
- 1.Sign in or create a new FinlyWealth account.
- 2.Click the offer link provided in order to be redirected to the merchant's page.
- 3.Make sure to add your INTERAC e-Transfer email to your Finly profile for us to process payments.
- 4.Complete your application process in one go.
- 5.Once approved, the institution will report the transaction to us based on their reporting schedule, which can vary from 3-5 days to 1-2 months. Your Finly cashback profile will reflect that as soon as we receive a status update.
- 6.Rebate payments are generally processed within 10 days of receiving transaction confirmations, however it may vary depending on payment processing times.
Rebate Timeline
Posting Time
1-3 days from application submission
Locking Time
15-30 days from approval
Application Submitted
You submitted your application
Pending Verification
MBNA verifies your approval
Expected: 15 daysFinal Approval
Rebate gets confirmed
Expected: 15 daysPayments & Privacy
- •We take privacy serious and believe in keeping your information the way it's meant to be - private. We ask for minimal information to reduce exposure and secure any personal information stored using the latest industry standards.
- •Payments are sent via INTERAC e-Transfer through our secure automated payment system. If your INTERAC requires a password to accept payments, you can find your unique passcode in your Finly account page, otherwise the cash payment will be auto-deposited directly into your bank account.
Helpful Tips
Don't switch devices
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Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
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.