Best MBNA credit cards in Canada

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MBNA Rewards points come quickly and easily via the MBNA Rewards Platinum Plus^® Mastercard^®. Earn 4 points per $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually. You could also receive up to 10,000 bonus points.^††

After that the card collects 2 MBNA Rewards points on groceries, dining, streaming, memberships and recurring bills^‡, and 1 MBNA Rewards point on all other purchases^‡. Points can be redeemed for merchandise, gift cards, and even cash back against a statement credit, though they get their best value for airfare and other travel-related services like cruise packages and hotels.

The cards’ high earn rates, plus the absence of any annual fee and the inclusion of insurance and protective features, make the MBNA Rewards Platinum Plus® Mastercard® a great rewards option for those loyal to MBNA.

^{‡, ††, ✪, ***, Terms and Conditions apply}

^{This offer is not available for residents of Quebec. For residents of Quebec, please click here.}

^{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.}

The highest annual fee of all the MBNA credit cards means it comes with the most perks.

You can redeem your rewards your way—from travel to cash back and more. With this card, you earn 5 points for every $1 spent at restaurants, grocery stores, digital media, memberships, and household utilities.

You also get a sweet Welcome Bonus to help get you started which pays off its annual fee anyway.

^{‡, ††, ✪, ***, Terms and Conditions apply}

^{This offer is not available for residents of Quebec.}

^{For residents of Quebec, please click here.}

^{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.}

MBNA’s True Line^® Gold Mastercard^® credit card offers a low rate of 13.99%^✪ on balance transfers, which is a refreshingly low number considering other cards’ 20+% interest. It’s a near guarantee that the rate is lower than what anyone with a balance is currently paying.

Though the card has a small annual fee of $39, the amount of money that an average cardholder will save with the significantly low balance transfer rate will likely pay that back and then some. The interest on purchases is 10.99%, which is great for those who plan on using the card to pay for goods and services. The cash advance rate is a standard 24.99%.

Learn more by reading our MBNA True Line^® Gold Mastercard^® credit card review.

^{✪, Terms and Conditions apply.}

^{This offer is not available for residents of Quebec.}

^{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.}

Those who want to save on the often-exorbitant interest rates charged to outstanding credit card balances, but who also prefer a no-fee card as opposed to paying an annual fee, will appreciate MBNA’s True Line^® Mastercard^® credit card. Identical in many ways to its cousin the MBNA True Line^® Gold Mastercard^® credit card, the two cards differ in their annual fee and their interest rates. The MBNA True Line^® Gold Mastercard^® credit card has an annual fee of $39 and a purchase rate of 10.99%, while the MBNA True Line^® Mastercard^® credit card has an annual fee of $0 and charges 12.99% interest on purchases, along with 17.99%^✪ on balance transfers.

This card also has a standard cash advance rate, but with the low interest you’d be paying on your credit card balances, the ability to pay low interest on everyday purchases and the lack of an annual fee make this card noteworthy.

Learn more by reading our complete MBNA True Line® Mastercard® credit card review.

^{†, ✪, Terms and Conditions apply.}

^{This offer is not available for residents of Quebec.}

^{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.}

Those who favour the simple, direct savings provided by a cashback credit card will love the MBNA Smart Cash® World Mastercard®, which earns fast cash back on common purchases like gas and groceries. For their first six months with the card, cardholders will earn a bonus rate of 5% cash back^†† in these purchase categories until they’ve spent $500 on them during the month, at which point the rate is reduced to 1%^‡ until the next month begins.

^{‡, ††, ††††, ✪, Terms and Conditions apply.}

^{This offer is not available for residents of Quebec. For residents of Quebec, please click here.}

^{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.}

Some might have trouble reconciling an annual fee for the privilege of earning cash back. This is one reason why cash back cards that have no annual fee are in demand, and MBNA fans will find a solid option for this in the MBNA Smart Cash Platinum Plus^® Mastercard^®. Slightly different than the MBNA Smart Cash^® World Mastercard^®, the Platinum version has no income requirement and no annual fee, but accordingly a lower all-purchases cash back rate of 0.5%^‡ instead of 1%. The same 5% cash back promotion^†† for gas and groceries still applies, as does the $500 per month spending limit.

After the promotion ends the card offers 2% cash back^‡ on gas and groceries until spending in those categories reaches $500 per month, just like the MBNA Smart Cash^® World Mastercard^®, though that earn rate will then be downgraded to the lower 0.5% rate. We recommend cardholders pay $39 with the MBNA Smart Cash® World Mastercard^® instead of $0 for the 0.5% rate^‡ with the MBNA Smart Cash Platinum Plus^® Mastercard^® if they are likely to buy around $8,000 worth of items per year that aren’t gas or groceries.

^{‡, ††, ✪, Terms and Conditions apply}

^{This offer is not available for residents of Quebec. For residents of Quebec, please click here.}

^{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.}

MBNA credit cards are issued through TD Bank (Toronto-Dominion Bank) following a takeover in 2011. TD is one of the largest banks in North America and provides an extensive number of benefits for cardholders and customers, including fraud and credit alerts, purchase protection, dedicated customer service and more.

MBNA charges a currency conversion/foreign transaction fee of 2.5% of the transaction in CDN.

MBNA offers credit cards of different types and fees. This variety means there is likely something for everyone - including those who don't want to pay a huge interest charge when they carry a balance. The MBNA True Line® Gold Mastercard® and MBNA True Line® Mastercard® both provide an exceptionally low APR with a modest annual fee.

MBNA issues two popular cash back cards, the MBNA Smart Cash Platinum Plus® Mastercard and the MBNA Smart Cash World Mastercard.

MBNA issues two popular travel cards, the MBNA Rewards Platinum Plus® Mastercard® and the MBNA Rewards World Elite Mastercard®