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The best MBNA credit cards in Canada

Looking for MBNA credit cards? Why not compare your options? In under 2 minutes, we’ll narrow down your best card matches from multiple banks.

Compare Canada's best MBNA credit cards

The best rewards cards for
  • all reward types
  • cash back
  • store credit
  • travel
  • any annual fee
  • no annual fee
CardBest used forAnnual feeRewards

Food & transit


  • 5 pts/$1 for gas, groceries, restaurants
  • 1 pts/$1 for other

Gas & groceries


  • 2% gas, groceries
  • 0.5% other

Everyday spending


  • 4 pts/$1 for eligible restaurant, grocery, digital media, membership and household utility purchases
  • 1 pts/$1 for other

Everyday spending


  • 5 pts/$1 for eligible restaurant, grocery, digital media, membership, and household utility purchases.
  • 1 pts/$1 for other


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MBNA credit card overview

MBNA offers over two dozen Mastercard credit cards to meet your needs, with a diverse selection of rewards to choose from.

Cash back and rewards points

MBNA offers a few cash back credit cards and travel point credit cards. The MBNA Smart Cash World Mastercard lets you earn 5% cash back on eligible grocery and gas purchases for the first 6 months, and 2% cash back thereafter. You’ll also earn 1% cash back on all other purchases at the cost of a below-average annual fee of just $39. The MBNA Smart Cash Platinum Plus is a no fee alternative which earns similar rewards on gas and groceries as the aforementioned World Mastercard but just 0.5% on everything else.

With the no fee MBNA Rewards Platinum Mastercard, you can earn up to 2 MBNA Rewards points for every $1 you spend on gas, groceries, and restaurants (up to $5,000 annually per category), and 1 point per $1 on everything else. The premium MBNA Rewards World Elite Mastercard gives you more earning potential with a flat and unlimited 2 MBNA Rewards points per $1 on everything you buy (which happens to make it one of the most lucrative rewards cards to use when shopping at Costco).

MBNA Rewards Points values will vary depending on what you redeem for. 1 point = 1 cent in travel rewards (from any airline booked on the MBNA Rewards website), 1 point = 0.5 cents in cash back, or 1 point = 0.85 - 0.98 cents when redeemed for e-gifts. You can also use points to order merchandise from the MBNA Rewards catalogue, though values can vary considerably from one item to another.

Low interest

MBNA offers two low APR credit cards that stand out for their rock bottom purchase interest rates; perfect for cardholders who tend to carry a revolving balance month-to-month and want to save on fees. The MBNA True Line Mastercard ($0 annual fee) has a purchase interest rate of 12.99%, among the lowest fixed interest rates of any no fee card in Canada. Meanwhile, the MBNA True Line Gold carries an annual fee of $39 but offers a considerably lower interest rate of 8.99%, which is less than half the purchase interest rate of 19.99% - 20.99% charged by most conventional credit cards.

Airline & automotive rewards

The Alaska Airlines Mastercard is a great fit for airline loyalists and can give you a free coach flight for a second traveller once a year and let you earn reward miles with everyday purchases as well as Alaska Airlines purchases. If you’d rather save on hotels, the Best Western Mastercard lets you earn Best Western Rewards points on eligible purchases and when you stay at Best Western.

For motorcycle enthusiasts, the Harley-Davidson Mastercard lets you earn reward points redeemable for Harley Chrome Cash to be used at Harley Davidson retailers, and makes you eligible for special motorcycle draws.

Online shopping and retail

Are you an avid online shopper? MBNA partnered with Canada's largest online retailer to launch the Rewards Mastercard, which carries no annual fee, earns accelerated rewards on Amazon purchases as well as for Amazon Prime Members, and offers bonuses points on purchases made in non-Canadian currencies to offset the card's foreign transaction fees. The Rewards Mastercard earns Amazon points which are redeemed automatically in increments of 2,000 points for a $20 for Amazon gift card. For health enthusiasts, the Melaleuca Mastercard earns bonus Loyalty Shopping Dollars on purchases from Melaleuca - the largest dedicated online wellness shopping club. Finally, there's the Nordstrom Rewards Visa that help you rack up bonus points when shopping at the luxury department store.

Charitable causes

Help Ducks Unlimited protect and restore Canada’s wetlands with a no-fee Ducks Unlimited Canada Mastercard. Not only will you feel good for helping the cause when you swipe your card, but you’ll also earn MBNA Rewards points for every $1 you spend on eligible purchases. Points are redeemable for your choice of MBNA rewards.

More on MBNA

MBNA is a division of The Toronto-Dominion Bank, and offers affinity and co-branded credit cards in Canada, as well as insurance products. With headquarters in Ottawa and an office in Regina, MBNA MasterCards are associated with many Canadian stores, charities, educational institutions, sports associations and professional membership organizations.

Cards summary (+/-)

Mikael Castaldo, Senior Business Manager of Everyday Banking

Mikael is a Senior Business Manager at and the driving force behind our Everyday Banking Team. He knows everything there is to know about the best credit cards and bank accounts, and works closely with Canada’s top financial institutions - from banks to credit unions - to help ensure our over 1,200,000 monthly users get matched with the right plastic. A numbers guy at heart, having worked as a strategy consultant at the Boston Consulting Group, he’s found himself right at home as a personal finance expert at

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