A quietly strong everyday earner with the market's broadest 5x list. The birthday bonus rewards loyalty in a way few cards do.
$120 annual fee · First-year net value ≈ $400 · MBNA Rewards
Issuer hub · Updated Oct 4, 2026
MBNA Credit Cards in Canada
Every MBNA credit card we track, ranked by Standard Score: MBNA Rewards, cash-back, and low-rate Mastercards, with the fee math shown for each.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | MBNA Rewards World Elite Mastercard MBNA | 6.7/10 | $120 | ≈ $400 | MBNA Rewards | See offer |
| 2 | Amazon.ca Rewards Mastercard MBNA | 5.6/10 | None | ≈ $300 | Cash back | See offer |
| 3 | MBNA Rewards Platinum Plus Mastercard MBNA | 4.8/10 | None | ≈ $120 | MBNA Rewards | See offer |
| 4 | MBNA Smart Cash Platinum Plus Mastercard MBNA | 4.7/10 | None | ≈ $160 | Cash back | See offer |
| 5 | MBNA True Line Gold Mastercard MBNA | 3.5/10 | $39 | ≈ -$39 | None (no rewards) | See offer |
| 5 | MBNA True Line Mastercard MBNA | 3.5/10 | None | ≈ $0 | None (no rewards) | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every MBNA card, ranked
A well-targeted no-fee co-brand for Amazon-heavy households, especially Prime members, thanks to the FX cash-back offset most no-fee cards don't offer.
No annual fee · First-year net value ≈ $300 · Cash back
A capable no-fee everyday earner with an unusually broad 2x list and a birthday bonus. Redeem for travel to get the most from the points.
No annual fee · First-year net value ≈ $120 · MBNA Rewards
A no-fee card whose 5%-for-6-months gas/grocery intro is its main draw. The $500 cap and 0.5% base limit its long-term value.
No annual fee · First-year net value ≈ $160 · Cash back
The lowest fixed rate you can simply apply for in Canada. Worth $39 exactly when the balance is big enough: do that one division before choosing it over its free sibling.
$39 annual fee · First-year net value ≈ -$39 · None (no rewards)
The benchmark low-interest card: $0 fee, a fixed 12.99%, and a usable balance-transfer window. If interest cost is the problem, this is the standard answer.
No annual fee · First-year net value ≈ $0 · None (no rewards)
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every MBNA card here is scored on the same Standard Score as the rest of the site: see how it’s built, or browse the full card database.
MBNA's cards, by what they're for
Every MBNA card we track is a Mastercard, and the lineup splits three ways:
| Card | Annual fee | What it's for |
|---|---|---|
| MBNA Rewards World Elite Mastercard | $120 | 5x MBNA Rewards points on restaurants, groceries, digital media, memberships and utilities |
| MBNA Rewards Platinum Plus Mastercard | $0 | The no-fee version: 2x in the same categories |
| MBNA Smart Cash Platinum Plus Mastercard | $0 | Cash back: 2% on gas and groceries (first $500 a month combined) |
| Amazon.ca Rewards Mastercard | $0 | Cash back at Amazon.ca and Whole Foods: 2.5% for Prime members |
| MBNA True Line Mastercard | $0 | No rewards; 12.99% purchase rate |
| MBNA True Line Gold Mastercard | $39 | No rewards; 10.99% purchase rate |
What MBNA Rewards points are worth
MBNA publishes fixed redemption rates: 100 points = $1 on travel (1¢ a point) and 120 points = $1 as cash (about 0.83¢). Points have no transfer partners, so travel at 1¢ is the ceiling. At that rate, the World Elite's 5x works out to about 5% back on its categories when you redeem for travel, the reason heavy grocery, dining and bill spenders can justify its $120 fee.
Which MBNA card to get
- You spend heavily on groceries, dining and bills and clear $80,000 personal or $150,000 household income: the MBNA Rewards World Elite Mastercard.
- You want MBNA Rewards with no fee: the MBNA Rewards Platinum Plus Mastercard.
- You carry a balance: a rewards card is the wrong tool. The MBNA True Line Gold Mastercard charges 10.99% for a $39 fee; the MBNA True Line Mastercard charges 12.99% with no fee. Compare them on our low-interest ranking.
Frequently asked questions
What credit score do you need for an MBNA credit card?
MBNA doesn't publish a minimum credit score. The eligibility it lists is Canadian residency and the age of majority in your province or territory, plus, for the World Elite, personal income above $80,000 or household income of $150,000 or more. Approval is decided on your full credit file.
How much are MBNA Rewards points worth?
1¢ each on travel (100 points = $1) and about 0.83¢ as cash (120 points = $1), per MBNA's published redemption rates. There are no transfer partners.
Which MBNA credit card has the lowest interest rate?
The MBNA True Line Gold Mastercard, at 10.99% on purchases for a $39 annual fee. The no-fee MBNA True Line Mastercard charges 12.99%.
Is the Amazon.ca Rewards Mastercard an MBNA card?
Yes. MBNA issues the Amazon.ca Rewards Mastercard, which earns 2.5% at Amazon.ca and Whole Foods for Prime members and has a $0 annual fee.
Eligibility and MBNA Rewards redemption rates checked September 26, 2026 against MBNA's World Elite card page. Card rates and fees are from our reviews.