Canada · October 2026
MBNA Canada credit cards
7 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Earns 5 points per $1 on restaurant, grocery, digital media, membership and household utility purchases and 1 point on everything else, with a birthday bonus and rental collision coverage.
Earn: base 1 pts · groceries 5 pts · dining 5 pts · everyday 1 pts
- Annual fee
- $120 ($120 primary / $50 additional cardholder)
- Est. net value / yr
- $660
- Welcome offer
- 20,000 bonus points after $2,000 in eligible purchases within 90 days plus 10,000 points for enrolling in paperless e-statements (up to 30,000)
- Purchase rate
- 21.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
Earns 4 MBNA Rewards points per $1 on restaurant, grocery, digital media, membership and household utility purchases (first 90 days; 2 points thereafter) and 1 point on everything else.
Earn: base 1 pts · groceries 2 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $420
- Welcome offer
- 5,000 bonus points after $500 in eligible purchases within 90 days, plus 5,000 points for enrolling in paperless e-statements within 90 days
- Purchase rate
- 21.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
Cash back card with 5% on gas and groceries for the first 6 months, then 2% (up to $500 a month), and 1% on everything else.
Earn: base 1% · groceries 2% · gas 2% · everyday 1%
- Annual fee
- $39 (Up to 9 authorized users with no additional fee)
- Est. net value / yr
- $369
- Welcome offer
- 5% cash back on gas and groceries for first 6 months (up to $500 monthly)
- Purchase rate
- 21.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
No-fee cash back card: 5% on gas and groceries for the first 6 months, then 2% (on up to $500 a month), and 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 2% · everyday 0.5%
- Annual fee
- $0 (Up to 9 authorized users with no additional fee)
- Est. net value / yr
- $312
- Welcome offer
- 5% cash back on gas and groceries for first 6 months (up to $500 monthly)
- Purchase rate
- 21.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
Earns 2.5% back at Amazon.ca and Whole Foods Market for eligible Prime members (1.5% for non-Prime) and 1% everywhere else.
Earn: base 1% · everyday 1%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $300
- Welcome offer
- 5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for first 6 months on first $3,000
- Purchase rate
- 21.74%
- Balance transfers
- 22.99%
- Foreign transaction fee
- 2.5%
- #6
MBNA True Line Gold Mastercard MBNA Canada
Lowest-rate MBNA card with a 10.99% purchase rate and $39 annual fee.
- Annual fee
- $39 (Up to 9 authorized users with no additional fee)
- Purchase rate
- 10.99%
- Balance transfers
- 13.99%
- Foreign transaction fee
- Not stated
- #7
MBNA True Line Mastercard MBNA Canada
No-fee low-interest card with a 12.99% purchase rate and a 0% promotional rate on balance transfers for 12 months.
- Annual fee
- $0 (Up to 9 authorized users with no additional fee)
- Welcome offer
- 0% promotional annual interest rate for 12 months on balance transfers completed within 90 days of account opening
- Purchase rate
- 12.99%
- Balance transfers
- 17.99%
- Foreign transaction fee
- Not stated
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.