Overview
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
Between 2 and 5 points per dollar at Walmart
At Walmart supercentres, you can buy groceries and earn:
- 5 points per dollar with the MBNA Rewards World Elite® Mastercard®.
- 2 points per dollar with the MBNA Rewards Platinum Plus® Mastercard®
Unlike Visa and American Express credit cards, Mastercard credit cards treat Walmart supercentres like grocery stores!
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 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 Card | Redemption rate | Value per point |
| MBNA Rewards World Elite® Mastercard® | 120 points = $1 | 0.83 cents |
| MBNA Rewards Platinum Plus® Mastercard® | 200 points = $2 | 0.5 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.
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
From what we’ve seen, redeeming MBNA Rewards Points that way, you will get:
Redeem MBNA Rewards Points For Products
The third best way to redeem MBNA Rewards points is to get products through the MBNA Rewards platform.
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
Travel insurance
The MBNA Rewards World Elite® Mastercard® offers insurance coverage for your travels:
| Insurance | Details |
| Travel Medical Insurance | Up to $2 million for the first 21 days of travel (65 and under) |
| Delayed or lost luggage insurance | Up to $1,000 per person, if more than 4 hours late |
| Flight and travel delay insurance | Up 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.
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.
Is MBNA Rewards available everywhere in Canada?
Not for every card. The MBNA Rewards World Elite® Mastercard® in its top-tier 5x configuration is restricted to Quebec residents since 2024 — it’s one of very few World Elite cards that works around the federal interchange rules by leaning on Quebec provincial jurisdiction. The MBNA Rewards Platinum Plus® Mastercard® and the MBNA Smart Cash® cards remain available in every province. If you live outside Quebec and want a World Elite earning points on groceries, look at the American Express Cobalt® Card or the Scotia Momentum Visa Infinite instead.
How much is an MBNA Rewards point worth?
The value of an MBNA Rewards point varies by card and redemption mode. On the World Elite, 120 points equal $1 in statement credit (0.83¢ per point) while 1,000 points equal $10 in travel (1¢ per point). On the Platinum Plus, the cash redemption rate is 200 points for $2 (0.5¢ per point). Best Buy, Esso, Tim Hortons and Cineplex gift cards can deliver up to 1.08¢ per point during promotional windows. Milesopedia therefore values an MBNA Rewards point at around 1¢ for cardholders who consistently use the travel redemption option or top-tier gift cards.
What are the best earn categories with the MBNA World Elite?
The MBNA Rewards World Elite® Mastercard® earns 5 points per dollar on groceries, restaurants, digital media (Netflix, Disney+, etc.), subscriptions and utilities — up to 5% effective cash back when redeemed for travel at 1¢ per point. A key advantage: Walmart Supercentres count as grocery for Mastercard, which is not the case for Visa or American Express. All other purchases earn 1 point per dollar. Combined with the annual 10% birthday bonus (capped at 15,000 points), this structure can drive an effective return of about 4.56% on groceries for an average household.
How does the MBNA Rewards birthday bonus work?
On each card anniversary, MBNA deposits a bonus equal to 10% of the points earned over the prior 12 months, up to a maximum of 15,000 points ($150 in travel value). Hitting the cap requires earning 150,000 points in the year — roughly $30,000 of spend in 5x categories, or a realistic mix of category and general spend. This anniversary bonus is one of the most rewarding in Canada: no other World Elite card currently offers an earnings-based bonus of this magnitude, and it stacks automatically on top of the base value you’ve already accumulated, effectively boosting your return from 5% to ~5.5% in 5x categories.
MBNA Rewards or MBNA Smart Cash: which should I choose?
Both programs are MBNA-run but they’re not interchangeable. MBNA Rewards (on the World Elite® and Platinum Plus®) accumulates flexible points usable for statement credit, travel or gift cards. MBNA Smart Cash (on the MBNA Smart Cash® World Mastercard®) deposits cash back directly: 5% on gas and groceries for the first 6 months, then 2% unlimited thereafter. If you want simplicity and steady cash back at the pump, pick Smart Cash. If you want to maximize travel and digital-media spend, MBNA Rewards delivers a higher total return thanks to the birthday bonus.
Do MBNA Rewards points expire?
MBNA Rewards points do not expire as long as your card stays open and in good standing. However, if MBNA detects extended inactivity, or if the card is closed voluntarily or due to default, points are forfeited without notice within 60 days. To avoid this, redeem your points at least once a year — the 1¢ travel redemption or Cineplex/Best Buy gift cards are the strongest options. Watch for the anniversary statement: that’s typically when the 10% birthday bonus posts, and it’s the right moment to plan a redemption while your balance is at its peak for the year.
Point values
| Redemption type | ¢ / point | Confidence |
|---|---|---|
| otherdefault | 1.00 | medium |
