MBNA Rewards

Updated May 9, 2026
Loyalty program MBNA Rewards
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Website MBNA Rewards
Customer Service 1-888-876-6262
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MBNA Rewards Points Calculator

Points

Earn MBNA Rewards points

With the MBNA Rewards World Elite® Mastercard®, you can earn :

  • 5 points per dollar spent on groceries, restaurants, digital media, subscriptions and utilities, to a maximum spend of $50,000 (1 point per dollar thereafter)
  • 1 point per dollar on the other purchases

While with the MBNA Rewards Platinum Plus® Mastercard®, you can get:

  • 2 points per dollar spent on groceries, restaurants, digital media, subscriptions and utilities, to a maximum spend of $10,000 (1 point per dollar thereafter)
  • 1 point per dollar on the other purchases

Here are examples of businesses to earn rewards points at grocery stores, lunchbox memberships and restaurants:

  • April, Adonis, Bulk Barn, Giant Tiger, IGA, Maxi, Metro, Provigo, Super C, Walmart
  • FlashFood and Hello Fresh
  • Instacart, Kim Phat, PA Supermarket

And since these credit cards offer between 2 and 5 points per dollar for digital media and utility subscriptions, it’s perfect if you are a subscriber to:

  • Netflix, Crave, Disney+
  • Apple Music, Spotify, Amazon Prime, Google Play, YouTube Premium
  • Videotron, Fido Mobile, Fizz, Koodo, SiriusXM
  • Énergie Cardio fitness centers and others
MBNA: Get up to 20,000 points with MBNA Rewards credit cards! - Grocery Canada 27 Walmart

Between 2 and 5 points per dollar at Walmart

At Walmart supercentres, you can buy groceries and earn:

Unlike Visa and American Express credit cards, Mastercard credit cards treat Walmart supercentres like grocery stores!

MBNA: Get up to 20,000 points with MBNA Rewards credit cards! - Grocery Canada 26 Walmart

1 point per dollar at Costco

The MBNA Rewards World Elite® Mastercard® and the MBNA Rewards Platinum Plus® Mastercard® are Mastercard network credit cards.

This means that they will be accepted for purchases made at Costco and you will be able to earn 1 point per dollar.

MBNA: Get up to 20,000 points with MBNA Rewards credit cards! - Costco storefront photo

MBNA Rewards 10% Birthday Bonus Points

Each year, you’ll receive Birthday Bonus Points from MBNA Rewards, 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.

This mathematically increases your return in MBNA Rewards points on all your purchases.

With the MBNA Rewards World Elite® Mastercard®, you can earn with this 10% anniversary bonus:

  • 5.5 points per dollar spent on groceries, restaurants, digital media, subscriptions and utilities
  • 1.1 points per dollar on the rest

While have the MBNA Rewards Platinum Plus® Mastercard®, you can get through this 10% birthday bonus :

  • 2.2 points per dollar spent on groceries, restaurants, digital media, subscriptions and utilities
  • 1.1 points per dollar on the rest

Redeem MBNA Rewards points

Redeem MBNA Rewards Points For Cash Back

You can redeem your MBNA Rewards points to earn cash back through credit card statement credit.

The rate at which MBNA Rewards points are used will vary depending on your MBNA credit card:

MBNA Credit CardRedemption rateValue per point
MBNA Rewards World Elite® Mastercard®120 points = $10.83 cents
MBNA Rewards Platinum Plus® Mastercard®200 points = $20.5 cents

So when you earn 5 points per dollar at the grocery store with the MBNA Rewards World Elite® Mastercard®, and redeem your MBNA Rewards points for cash back, it’s like earning 4.15% cash back.

Not to mention the 10% anniversary bonus on all points earned in the previous 12 months (up to a maximum of 15,000 points). That brings your cash-back rate at the grocery store up to 4.56%!

Redeem MBNA Rewards Points For Travel

The best way to redeem MBNA Rewards points is to purchase travel.

You’ll be able to redeem your MBNA Rewards points at a rate of 1,000 points = $10, or 1 cent per point.

How Air Canada’s Home Away From Home Flight Pass Works - Air Canada airplane view

Redeem MBNA Rewards Points For Gift Cards

The second best way to redeem MBNA Rewards points is for gift cards.

Via the MBNA Rewards platform, you can redeem your MBNA Rewards points to get two types of gift cards:

  • Electronic gift cards
  • Physical gift cards
MBNA: Get up to 20,000 points with MBNA Rewards credit cards! - mbna rewards gift cards en

From what we’ve seen, redeeming MBNA Rewards Points that way, you will get:

  • between 0.95 and 1.08 cents per point for electronic gift cards (Walmart, Apple, Amazon, Esso, etc.)
  • between 0.85 and 0.99 cents per point for physical gift cards (Best Buy, Petro-Canada, Amazon, The Bay, etc.)

Redeem MBNA Rewards Points For Products

The third best way to redeem MBNA Rewards points is to get products through the MBNA Rewards platform.

MBNA: Get up to 20,000 points with MBNA Rewards credit cards! - mbna rewards products en

From what we’ve seen, the rate at which your MBNA Rewards points are used to get products will be approximately 0.85 cents per point.

MBNA Insurance

These MBNA Rewards credit cards offer several insurance coverages.

Mobile Device Insurance

In terms of Mobile Device Insurance, the MBNA Rewards World Elite® Mastercard® and the MBNA Rewards Platinum Plus® Mastercard® both offer this coverage.

Coverage of up to $1,000 in the event of loss, theft, accidental damage or mechanical failure of your eligible mobile device.

To benefit from this protection, you must use one of these MBNA Rewards Mastercard credit cards to:

  • Pay all your monthly cell phone bills and any upfront costs
  • OR pay for at least 75% of your mobile device when you pay the full cost of its purchase up front
MBNA: Get up to 20,000 points with MBNA Rewards credit cards! - Disney Featured

Travel insurance

The MBNA Rewards World Elite® Mastercard® offers insurance coverage for your travels:

InsuranceDetails
Travel Medical InsuranceUp to $2 million for the first 21 days of travel (65 and under)
Delayed or lost luggage insuranceUp to $1,000 per person, if more than 4 hours late
Flight and travel delay insuranceUp to $500 per person if the flight or trip is delayed more than 4 hours

Purchase Assurance and Extended Warranty Insurance

The MBNA Rewards World Elite® Mastercard® and the MBNA Rewards Platinum Plus® Mastercard® offer 90 days’ purchase insurance. In addition, they both provide an attractive extended warranty. The extended warranty doubles the manufacturer’s written warranty on most new purchases made with this card.

The MBNA Rewards World Elite® Mastercard® stands out by offering a Price Protection service for 60 days following the date of purchase. This refers to an eligible item paid for with your card where you find it at a lower price in Canada after purchase.

NBC: No Annual Fee With The NBC mycredit Mastercard Credit Card - modern kitchen 1772638 1920

MBNA Rewards credit cards

Posts

Frequently Asked Questions about the MBNA Rewards program

MBNA Rewards is one of the most generous in-house grocery and dining rewards programs available to Quebec residents through the World Elite Mastercard, with national availability through other product tiers. These FAQs cover the most common questions Canadian cardholders ask before applying or redeeming.

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