Best MBNA Credit Cards in Canada - October 2026

Looking for the best MBNA Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.

Compare the 7 cards in our selection below. Interested in a card? Click Read review to read our full analysis.

Our selection — MBNA
Credit card	Annual fee	Welcome offer
MBNA Rewards World Elite^® Mastercard^® Apply NowCompareRead review	Annual fee$120	Welcome offerAfter $2,000 in 3 months Up to 30,000 points After $2,000 in 3 months	Apply NowCompareRead review
MBNA True Line^® Mastercard^® credit card Apply NowCompareRead review	Annual fee$0	Welcome offerFor 12 months 0% on balance transfers For 12 months	Apply NowCompareRead review
MBNA Smart Cash Platinum Plus^® Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offer Up to $150 cash back	Apply NowCompareRead review
MBNA Rewards Platinum Plus^® Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $500 in 3 months Up to 10,000 points After $500 in 3 months	Apply NowCompareRead review
MBNA Smart Cash^® World Mastercard^® Apply NowCompareRead review	Annual fee$39	Welcome offer Up to $150 cash back	Apply NowCompareRead review
MBNA True Line Gold Mastercard^® Apply NowCompareRead review	Annual fee$39	Welcome offer No current welcome offer	Apply NowCompareRead review
Amazon.ca Rewards Mastercard Apply NowCompareRead review	Annual fee$0	Welcome offer Up to $150 cash back	Apply NowCompareRead review

MBNA Rewards World Elite^® Mastercard^®

With the MBNA Rewards World Elite^® Mastercard^®, you can earn 5 points per dollar of purchases for:

Dining
Grocery purchases
Digital media purchases (Netflix, Spotify, etc.)
Memberships
Household utility purchases (electricity, etc.)

Everywhere else, you will get 1 point per dollar.

Enough to make the MBNA Rewards World Elite Mastercard the best MBNA credit card for restaurants, groceries, digital media, subscriptions and household utilities.

Knowing that Mastercard recognizes Walmart Supercenters as grocery stores, this is the best credit card for Walmart customers!

Plus, depending on your province of residence, you’ll get a welcome bonus of between 20,000 and 30,000 points, a value of $200 to $300!

And 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 your birthday, to a maximum Birthday Bonus each year of 15,000 Points.

Compare

MBNA Rewards World Elite^® Mastercard^®

MBNA MBNA Rewards

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $300
Welcome offerAfter $2,000 in 3 months: Up to 30,000 points

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

5xGroceries
5xRestaurants
5xBills & recurring payments
5xStreaming
5xTelecom
1xAll spending

Value

1st Year Value$1,200

2nd Year Value$533

Travel insurance

Travel MedicalIncluded

Trip InterruptionIncluded

Delayed BaggageIncluded

Lost BaggageIncluded

Flight DelayIncluded

Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionIncluded

Price protectionIncluded

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MBNA True Line^® Mastercard^® credit card

The MBNA True Line^® Mastercard^® credit card is one of Canada’s best options for a low-cost balance transfer. It’s ideal for reducing interest charges and consolidating your debts onto one card.

With this card, you benefit from a 0% interest rate for 12 months on balance transfers made within 90 days of account opening. Transfer fees are a competitive 3%.

This card offers fraud protection, guaranteeing the security of your transactions.

If you want to transfer balances from high-rate cards, the MBNA True Line^® Mastercard^® credit card allows you to benefit from a 0% rate and pay off your debts at your own pace without high-interest charges during the promotional period.

In short, the MBNA True Line^® Mastercard^® credit card is an excellent choice for reducing debt and optimizing balance transfers.

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MBNA True Line^® Mastercard^® credit card

MBNA

Annual fee: $0
Welcome offerFor 12 months: 0% on balance transfers

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

0xAll spending

Value

2nd Year Value$0

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MBNA Smart Cash Platinum Plus^® Mastercard^®

MBNA Smart Cash Platinum Plus^® Mastercard^® is one of the best no-annual-fee cash-back credit cards in Canada.

With this card, you can get 2% on:

gas purchases
grocery purchases

Up to a monthly purchase limit of $500, and 0.5% cash back everywhere else.

For a limited time, you can earn 5% cash back for the first 6 months, a value of $150. It’s the best no-annual-fee MBNA credit card with cash back.

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MBNA Smart Cash Platinum Plus^® Mastercard^®

MBNA Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $150
Welcome offer: Up to $150 cash back

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xGas & EV
2xGroceries
0.5xAll spending

Value

1st Year Value$390

2nd Year Value$246

Travel insurance

Travel AccidentIncluded

Purchase protection

Purchase ProtectionUp to $0 / 90 days

Extended Warranty+1 years

Auto Rental CollisionIncluded

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MBNA Rewards Platinum Plus^® Mastercard^®

The MBNA Rewards Platinum Plus^® Mastercard^® is one of the best no-annual-fee credit cards in Canada.

With this card, you can earn 2 points per dollar on:

Dining
Grocery purchases
Digital media purchases (Netflix, Spotify, etc.)
Memberships
Household utility purchases (electricity, etc.)

And 1 point per dollar everywhere else. This is the best MBNA credit card with no annual fee.

For a limited time, you can earn 10,000 bonus points as a welcome bonus, a $100 value for travel purchases charged to your account.

Depending on your province of residence, the terms vary slightly: in Quebec, the first 5,000 bonus points are awarded after your first eligible purchase, with no minimum spend required.

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MBNA Rewards Platinum Plus^® Mastercard^®

MBNA MBNA Rewards

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $100
Welcome offerAfter $500 in 3 months: Up to 10,000 points

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xStreaming
2xRestaurants
2xTelecom
2xGroceries
2xBills & recurring payments
1xAll spending

Value

1st Year Value$580

2nd Year Value$307

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000

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MBNA Smart Cash^® World Mastercard^®

The MBNA Smart Cash^® World Mastercard^® is one of the best cash back credit cards in Canada.

With this card, you can earn 2% Cash Back on:

Gas purchases
Grocery purchases

Up to a $500 monthly purchase cap, plus 1% Cash Back on all other eligible purchases.

For a limited time, you can earn 5% Cash Back on eligible gas and grocery purchases for the first 6 months, a $150 value.

This is the World version of the Smart Cash card: for a $39 annual fee, it doubles the base cash back rate (1% instead of 0.5%) on all other eligible purchases compared to the no-annual-fee Platinum Plus version.

Compare

MBNA Smart Cash^® World Mastercard^®

MBNA Cash Back

Annual fee: $39
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $150
Welcome offer: Up to $150 cash back

Annual fee

Primary card$39

Additional card$0

Annual income required

Individual$50,000

Household$80,000

Conversion fees

2.5%

Earning rate

2xGas & EV
2xGroceries
1xAll spending

Value

1st Year Value$471

2nd Year Value$249

Travel insurance

Travel AccidentIncluded

Purchase protection

Purchase ProtectionUp to $0 / 90 days

Extended Warranty+1 years

Auto Rental CollisionIncluded

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MBNA True Line Gold Mastercard^®

The MBNA True Line^® Gold Mastercard^® is MBNA’s lowest interest rate credit card.

With this card, you benefit from low rates at all times:

10.99% on purchases
13.99% on balance transfers

All for an annual fee of just $39.

It’s an ideal card for reducing interest charges if you carry a balance from month to month, while enjoying Mastercard protections like Purchase Assurance and Extended Warranty.

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MBNA True Line Gold Mastercard^®

MBNA

Annual fee: $39
Welcome offer: No current welcome offer

Annual fee

Primary card$39

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

0xAll spending

Value

2nd Year Value$-39

Travel insurance

Travel AccidentIncluded

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionIncluded

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Amazon.ca Rewards Mastercard

The Amazon.ca Rewards Mastercard is a no-annual-fee rewards card, designed for people who shop regularly on Amazon.ca and at Whole Foods Market stores in Canada. Your rewards can be redeemed directly for eligible items on Amazon.ca.

With an eligible Amazon Prime membership, you earn 2.5% back on eligible purchases at Amazon.ca and Whole Foods, plus 2.5% on foreign currency transactions, which offsets the conversion fee. You earn 1% back on all your other eligible purchases, everywhere Mastercard is accepted. As a welcome offer, you get boosted 5% back (Amazon.ca, Whole Foods, groceries and restaurants) for the first six months, on the first $3,000 in eligible purchases.

The card has no annual fee. The annual interest rate is 19.99% on purchases. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

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Amazon.ca Rewards Mastercard

MBNA Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $150
Welcome offer: Up to $150 cash back

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1xAll spending

Value

1st Year Value$450

2nd Year Value$240

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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See more cards →

With the MBNA Rewards World Elite^® Mastercard^®, you can earn 5 points per dollar of purchases for:

Dining
Grocery purchases
Digital media purchases (Netflix, Spotify, etc.)
Memberships
Household utility purchases (electricity, etc.)

Everywhere else, you will get 1 point per dollar.

Enough to make the MBNA Rewards World Elite Mastercard the best MBNA credit card for restaurants, groceries, digital media, subscriptions and household utilities.

Knowing that Mastercard recognizes Walmart Supercenters as grocery stores, this is the best credit card for Walmart customers!

Plus, depending on your province of residence, you’ll get a welcome bonus of between 20,000 and 30,000 points, a value of $200 to $300!

MBNA Rewards World Elite® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

MBNA True Line® Mastercard® credit card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

MBNA Smart Cash Platinum Plus® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

MBNA Rewards Platinum Plus® Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

MBNA Smart Cash® World Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

MBNA True Line Gold Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Amazon.ca Rewards Mastercard

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

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MBNA Rewards World Elite^® Mastercard^®

MBNA True Line^® Mastercard^® credit card

MBNA Smart Cash Platinum Plus^® Mastercard^®

MBNA Rewards Platinum Plus^® Mastercard^®

MBNA Smart Cash^® World Mastercard^®

MBNA True Line Gold Mastercard^®