MBNA Rewards Platinum Plus® Mastercard®
MBNA · MASTERCARD
The MBNA Rewards Platinum Plus® Mastercard® is a credit card from MBNA on the MASTERCARD network. It has an annual fee of C$0. It earns 2x on dining & restaurants, 2x on groceries, 1x on everything else. The welcome offer is Welcome offer: 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††. Conditions apply.
Key facts
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Network
- MASTERCARD
- Welcome offer
- Welcome offer: 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††. Conditions apply.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | 2x | Earn 4 points on every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases during the first 90 days (2 points per dollar thereafter), up to $10,000 annual spend per category. |
| Groceries | 2x | Earn 4 points on every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases during the first 90 days (2 points per dollar thereafter), up to $10,000 annual spend per category. |
| Everything else | 1x | Earn 1 point for every $1 spent on all other eligible purchases |
Benefits and perks
- 5,000 bonus points ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening and 5,000 bonus points ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
- Each year, you will receive Birthday Bonus Points
- Flexible rewards: Redeem points for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
- No Annual Fee
- Your MBNA Rewards Points never expire as long as your account is open and in good standing
- Shop online with the MBNA Rewards Catalogue Through the MBNA Rewards Catalogue, you can redeem your points for travel, gift cards and brand-name merchandise.
- Apply points towards your MBNA Rewards credit card balance Redeem points towards a Statement Credit and apply it directly to your credit card balance. You also have the option to redeem for cash by cheque, a deposit to a chequing or savings account, or towards a donation to a participating charitable organization you select.
- Redemption values The redemption value for travel is 100 points per $1, while cash and charity donations are 200 points per $1. Merchandise and gift card point values are disclosed in the Rewards Catalogue.
- With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
- Doubles the written manufacturer's warranties valid in Canada for up to one additional year on eligible new purchases made with your MBNA credit card.
- Coverage on eligible items purchased with your MBNA credit card should they be stolen or damaged within the first 90 days from the date of purchase. Lifetime total accumulative limit of $60,000 per account.
- Mastercard® Zero Liability As a Mastercard® credit card cardholder, you will not be responsible for unauthorized ~ purchases made in store, over the telephone or online. Some conditions apply.
Rates and fees
Annual membership fee: C$0. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Balance transfer APR: 22.99%. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the MBNA Rewards Platinum Plus® Mastercard®
What is the annual fee on the MBNA Rewards Platinum Plus® Mastercard®?
The MBNA Rewards Platinum Plus® Mastercard® has an annual fee of C$0.
What rewards does the MBNA Rewards Platinum Plus® Mastercard® earn?
The MBNA Rewards Platinum Plus® Mastercard® earns 2x on dining & restaurants, 2x on groceries, 1x on everything else.
Is the MBNA Rewards Platinum Plus® Mastercard® worth it?
The MBNA Rewards Platinum Plus® Mastercard® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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