If you’re looking for a credit card that offers practical rewards without charging an annual fee, take the MBNA Rewards Platinum Plus® Mastercard®.
In this article, you’ll learn how to apply, what to expect from the card’s features, eligibility criteria, fees, and how to reach customer service.
We’ll also walk you through the full application process, which includes confirming your residency and income, accepting terms, and submitting your details online.
Understanding MBNA
MBNA, originally known as Maryland Bank National Association, has evolved into a prominent credit card issuer with a significant presence in Canada.
As a division of The Toronto-Dominion Bank (TD), MBNA Canada offers a range of credit card products tailored to various consumer needs.
The integration into TD Bank Group has solidified its position in the Canadian financial landscape, continuing its legacy of providing diverse credit card solutions.
Why Choose the MBNA Rewards Platinum Plus® Mastercard®?
The MBNA Rewards Platinum Plus® Mastercard® is a great option.
No annual fee, but still want a rewards program. Flexible points that can be used for cash, travel, gift cards, or merchandise.
Insurance coverage for mobile devices, purchases, and rentals. A user-friendly mobile app and online portal for easy account management.
It’s particularly ideal for students, young professionals, and budget-conscious individuals who want value without added costs.
Key Features and Benefits
Designed for Canadian residents, this card allows users to earn points on everyday purchases while offering a range of insurance and travel perks.
Whether you want to redeem points for travel, cash back, or merchandise, the flexibility of this card makes it a reliable financial tool.
Welcome Bonus
New cardholders can earn 5,000 points after spending $500 on eligible purchases in the first 90 days.
5,000 points after enrolling in e-statements within the first 90 days. That’s 10,000 bonus points—enough to start redeeming rewards right away.
Ongoing Rewards
2 points per $1 on eligible groceries, restaurants, memberships, digital media, and utilities (up to $10,000 per category/year).
1 point per $1 on all other eligible purchases.
Flexible Redemption Options
You can redeem points for travel (100 points = $1), cash back or statement credit (200 points = $1), gift cards or merchandise, and charitable donations
Additional Perks
Mobile Device Insurance (up to $1,000 in protection), Purchase Assurance, and Extended Warranty for eligible items.
Rental car discounts at Avis and Budget are a bonus.
10% birthday bonus on the points earned in the 12 months prior to your birthday month (up to 10,000 points).
Interest Rates and Fees
Understanding the card’s fees is crucial before applying:
- Annual Fee: $0
- Purchase Interest Rate: 19.99%
- Balance Transfer Rate: 22.99%
- Cash Advance Rate: 24.99%
- Foreign Transaction Fee: 2.5% of the converted amount
These rates are standard for rewards cards without an annual fee, but should be reviewed based on your ability to pay off balances monthly.
Eligibility Requirements
To qualify, you must be a Canadian resident, have reached the age of majority in your province or territory, and have a good credit score (typically 660+).
Look to be able to demonstrate a steady income or financial support.
While there’s no official minimum income, approval often depends on your creditworthiness and existing debt levels.
Step-by-Step: How to Apply Online
The process takes about 10–15 minutes and requires you to provide personal and financial information.
Step 1: Visit the MBNA Website
Go to the official MBNA Canada website and navigate to the MBNA Rewards Platinum Plus® Mastercard® page.
Click on “Apply Now” to start the application.
Step 2: Confirm Residence and Accept Terms
You’ll first be asked to confirm that you’re a resident of Canada.
Review and accept the terms and conditions of the application process.
Step 3: Complete the Application Form
The form is divided into several sections:
🔸 About You
- Full name
- Date of birth
- Social Insurance Number (optional, but helps speed up the process)
🔸 Your Contact Information
- Email address
- Phone number
🔸 Where You Live
- Current home address
- Status: Own / Rent / Live with parents
- Monthly housing payments
🔸 About Your Work
- Employment status
- Employer name
- Occupation
- How long you’ve worked there
🔸 Your Annual Income
- Personal annual income
- Household income (optional)
- Other income sources (investments, pensions, etc.)
🔸 Optional Services
- Paperless billing (needed to receive the welcome bonus)
- Balance protection insurance (optional)
- Additional cardholders (optional)
Step 4: Review and Submit
Double-check all the information.
Read and agree to the terms of use and privacy agreement.
Submit the application.
You will typically receive a decision within minutes. If more information is needed, MBNA may contact you for verification.
Tips for a Successful Application
Use your legal name as it appears on government documents. Make sure your credit report is clean—pay off other cards and loans if possible.
Don’t overestimate your income—MBNA may verify it. Opt into paperless statements to qualify for the extra 5,000 bonus points.
If declined, wait at least 3–6 months before reapplying.
Credit Limit and Review Policy
Your credit limit is based on your credit history, employment status, annual income, and debt-to-income ratio.
MBNA reviews accounts periodically and may increase your limit automatically if you demonstrate responsible use.
Customer Service and Contact Information
If you have questions about your application or need help managing your card:
- Phone (Canada): 1-888-876-6262
- International Collect: 1-613-907-3505
- Website: Visit MBNA’s official site and go to the “Contact Us” page
- Mailing Address: MBNA Customer Service, P.O. Box 9614, Ottawa, ON K1G 6E6
Canada
Conclusion
The MBNA Rewards Platinum Plus® Mastercard® is a strong option for Canadians looking to maximize everyday spending with no annual fee.
With a generous welcome bonus, flexible redemption options, and essential insurance benefits, it delivers value across multiple categories.
If you meet the requirements and can manage your balance well, this card can be a great addition to your wallet.
Disclaimer: This article is for informational purposes only. Terms, fees, and rewards are accurate as of April 2025 and subject to change. Please consult the official MBNA Canada website or contact customer service for the latest information and to verify your eligibility before applying.