MBNA Rewards World Elite® Mastercard® – Quebec

MBNA Rewards World Elite® Mastercard® – Quebec

Earn up to 5 points per dollar spent on many everyday purchases.

Take advantage of this exceptional welcome offer!

Welcome Bonus

Up to 20,000 points

Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

20.99 %

Cash Advance Rates

20.99 %

Balance Transfer Rates

20.99 %

Your Monthly Spending


This offer is only available to Quebec residents. If you live in another province or territory, please click here.

Receive up to 20,000 bonus points ($165 cash back value):

  • Receive 15,000 bonus points†† ($125 in cash back value) after your first eligible purchase within the first 90 days of account opening
  • Receive 5,000 bonus points†† once enrolled for e-statements within the first 90 days of account opening.
  • 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 earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
  • Redeem points‡ for brand-name merchandise, gift cards from participating retailers, cash back, charitable donations, and travel.
  • Standard Annual Interest Rates of 20.99% on eligible purchases, 20.99% on balance transfers✪, and 20.99% on cash advances
  • Mobile Device Insurance*** 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
  • $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
  • To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††

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

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $120
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rate (QC) 20.99%
Cash Advance Rate (QC) 20.99%
Balance Transfer Rates (QC) 20.99%


Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $35
  • Unlimited access = $350 (the value of 10 annual visits)


Welcome Bonus Up to 20,000 points
Welcome Bonus Condition Get 5,000 bonus points when you enroll in e-statements within 90 days of account opening and 15,000 more points when you make your first eligible Purchase within 90 days of account opening.
Minimum Spending Required $1
Minimum Spending Timeframe 90 day(s)


All Spending 1 point
Drugstores 1 point
Groceries 5 points
Convenience Stores 1 point
Gas 1 point
Telecom/Internet 5 points
Local Transport 1 point
Streaming services 5 points
Dining and Food delivery 5 points
Online transactions 1 point
Recurring Payments 5 points
Office Supplies 1 point
Travel 1 point
Entertainment 1 point


Common Carrier Travel Accident Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Trip Interruption Insurance
Purchase Protection
Purchase Protection - Duration 90 day(s)
Mobile Device Insurance
Travel Medical Insurance
Extended Warranty
Extended Warranty - Duration 1 year
4 Milesopedia Rating