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MBNA Rewards World Elite® Mastercard®
$100
MBNA Rewards World Elite
Credit Card · Apply through Finly
Cash back
$100
Finly rebate
$100
Get $100 rebate** + Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)†† on the MBNA Rewards World Elite® Mastercard®
Apply through Finly. Get approved by the financial institution. We e-Transfer your rebate via Interac, no points or portals required.
Paid via INTERAC e-Transfer
Secure & private
$575,000+ paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** 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.
The card
Why MBNA Rewards World Elite?
Highest rewards on groceries & dining
How to earn the welcome bonus
- 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. For residents of Quebec, please click here.
Earns rewards on
1x - 5x
Dining
Groceries
Subscriptions
- 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.
Fees & rates
Annual fee
$120
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign transaction
2.5%
Additional cards
$50
Min personal income
$80,000
Min household income
$150,000
Credit recommended
Good
Built-in perks & coverage
Annual Birthday Bonus
Car Rental Discount
Trip and legal Assistance
Concierge Services
Mobile Device Insurance
Purchase Protection
Extended Warranty
Car Rental Damage & Theft
Flight Delay
Common Carrier Travel Accident Insurance
Ready when you are
$100 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
How you get paid
From offer to bank deposit
The financial institution approves your application — we handle the rest. No claims to file, no portals to log into.
01
Sign in to Finly
Create an account or sign in. Add your Interac e-Transfer email so we can pay you out.
02
Click the offer
We track your application via your Finly account — no codes needed. Don't switch devices or use ad-blockers.
03
Apply with the financial institution
Complete the financial institution's application as usual on their site. Get approved on their schedule.
04
Wait for verification
The institution reports your sign-up to us within a few days to a few weeks. We'll email you when it's confirmed.
05
Get paid via Interac
Once verified, we e-Transfer your rebate within 10 days. The cash lands directly in your bank account.
Your timeline at a glance
1
Posting time
1-3 days from application submission
Time before the transaction shows up in your Finly profile.
2
Locking time
15-30 days from approval
Time before the rebate is locked in and ready for payout.
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
*, ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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.