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Last updated:
Aug 7, 2025
Annual Fee:
$0
Interest Rates: 19.99% to 24.99%
Suggested Credit Score: 660+
Key Benefits
Up to 4× Points Intro
No Annual Fee
Flexible Redemption
About this card
The MBNA Rewards Platinum Plus® Mastercard® delivers solid value without an annual fee. It offers a powerful rewards structure—up to 4 points per dollar in popular categories (restaurants, groceries, digital media, memberships, household utilities) during the first 90 days—then 2 points per dollar in those same categories (up to $10,000 annually), and 1 point per dollar on all other purchases. It includes a welcome bonus of up to 10,000 points, easy redemption options (cash back, statement credit, travel, gift cards, charity), and perks like purchase protection, extended warranty, mobile device insurance, discounted Avis/Budget car rentals, and birthday bonus points.
MBNA Rewards Platinum Plus® Mastercard®
4 points/$1 in core categories during first 90 days; 2 points/$1 thereafter (up to $10,000 annual cap).
1 point/$1 on all other purchases.
No annual fee for primary and added cardholders.
Welcome bonus: up to 10,000 points (5,000 for $500 spend; 5,000 for paperless statements).
Birthday bonus: 10% extra annual points (up to 10,000).
Flexible rewards redemption: travel, cash back, gift cards, merchandise, charity.
Insurance perks: purchase protection (90 days), extended warranty (1 year), mobile device coverage ($1,000).
Rental car discounts at Avis/Budget in Canada/US/international markets.
High interest rates: ~19.99% on purchases, ~22.99% on balance transfers, ~24.99% on cash advances.
Bonus tiers cap at $10,000/year per category—beyond that, you earn just 1 point/$1.
Must redeem via MBNA Rewards portal, which may slightly reduce ease compared to airline portals.
Limited travel insurance—no medical, trip cancellation, or baggage coverage.
No foreign transaction coverage—a 2.5% fee applies on non‑CAD purchases.
Up to 10,000 bonus points:
5,000 points after $500 spend in the first 90 days.
5,000 points when enrolling in paperless statements within first 90 days.
Minimum personal/household income: Not specified; accessible with fair to good credit.
Suggested credit score: 660+
Residency: Canadian resident of majority age with a Canadian credit file.