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MBNA Rewards Platinum Plus Mastercard

MBNA

MastercardMBNA Rewards

Reward earning

dining: 2 points / $1

Frais annuels
0,00 $
First-year bonus value
52 $
Récompenses annuelles nettes
191,4 $
Valeur la première année
226 $

Based on typical spending of $2,000/month, after the annual fee. See the breakdown

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Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source for MBNA Rewards Platinum Plus Mastercard (opens new tab)

Détails de la carte

Frais annuels

Main card: 0 $

Additional cards: 0 $

Interest rates

Purchases: 21,99 %

Cash advances: 22,99 %

Annual income

No minimum published

Foreign transactions

Fee: À confirmer auprès de l’émetteur

Type de carte

Mastercard · Récompenses

Récompenses

Program: MBNA Rewards

Émetteur

MBNA

  • Eligibility not fully reviewed

L’approbation relève de l’émetteur.

How you earn rewards

  • 2 points per $1 on eligible restaurants, groceries, digital media, memberships and household utilities
  • 1 point per $1 elsewhere

What is this card worth to you?

Based on typical spending of $2,000/month

Estimated first-year value

226,00 $

net annual rewards + welcome bonus

Récompenses annuelles nettes
191,40 $

Rewards in a typical year, after the annual fee

Prime de bienvenue
52,00 $

One-time, if you meet the offer’s spending requirement

Annual rewards breakdown

Rewards earned in a year191,40 $
Frais annuels0,00 $
Récompenses annuelles nettes191,40 $

A category-by-category split isn’t available for this card yet.

Use your own spending

Needs your input
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Current exactcard productstates100points/CAD1 travel. Eligibleportalbookingrequired; variablemerchandise/giftcards excluded.

Illustrative annual rewards
294,00 $
Frais annuels habituels
0,00 $
Illustrative net ongoing value
294,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

  • Confirm whether your spending mix is typical throughout one complete rewards year.
  • Confirm whether this profile includes all purchases for this account, including additional cardholders.
  • Enter monthly Verified eligible restaurant. This is part of your existing spending.
  • Enter monthly Verified eligible grocery. This is part of your existing spending.
  • Enter monthly Verified eligible digital_media. This is part of your existing spending.
  • Enter monthly Verified eligible membership. This is part of your existing spending.
  • Enter monthly Verified eligible utilities. This is part of your existing spending.
Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending
Calculation assumptions for this card
Annual estimate assumptions for MBNA Rewards Platinum Plus Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Recurring points award

10% verified totalpoints earned in12months preceding primarybirthdaymonth, includingallissuer-awardedpoints; mustnotinfer fromestimatedspend. Accountopen/goodstanding ataward. Cap10000 eachyear;postedbyendbirthdaymonth.

Official recurring-award terms

Verified 2026-10-10. Year 1 timing remains separately reviewed.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Earning rates, caps and redemption options
Prime de bienvenue
52,00 $
Récompenses annuelles nettes
191,40 $
Valeur la première année
226,00 $
Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

  • Dining, groceries, digital media, memberships and household utilitiesUp to $10,000 a year (shared)2×points per $1
  • Tout le reste1×point per $1
Earning rules and limits
  • Then 1 point per $1.
  • Bonus points require $500 in eligible purchases and paperless-statement enrollment within 90 days.
  • Birthday bonus is 10% of earned points, up to 10,000 annually.
  • Each accelerated category has a $10,000 annual spending cap.

Redemption methods

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Insurance & benefits

  • Travel medical: not included
  • Trip cancellation: not included
  • Trip interruption: not included
  • Flight delay: not included
  • Baggage: not included
  • Rental car: not included
  • Travel accident: not included
  • Hotel burglary: not included
  • Mobile device: included
  • Protection des achats: included
  • Garantie prolongée: included

3 insurance2 benefits

AssuranceCoverage
  • Assurance appareils mobiles1 000 $

    Jusqu’à 1 000 $

    Device or monthly bills paid with the card (at least 75% of the upfront price)

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Garantie prolongéeDoubles the manufacturer warranty

    Doubles the manufacturer warranty

    Up to 1 extra year

    Eligible new purchases

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Purchase assurance60 000 $

    $60,000 lifetime per account

    90 days from purchase

    Full cost paid with the card

    Issuer terms (opens new tab)

    Not counted in this estimate

AvantagesDétails
  • Birthday bonus: 10% of last year's points, up to 10,000Inclus

    From the issuer’s product page. Terms apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Points don't expire while the account is openInclus

    From the issuer’s product page. Terms apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

Pros & cons

Pros

  • Welcome bonus worth about $52
  • 2 points per $1 on eligible restaurants, groceries, digital media, memberships and household utilities
  • Sans frais annuels

Cons

  • Bonus categories have spending caps

Sources & legal

Things to consider

  • Confirm current fees, earning restrictions, membership requirements and terms with the issuer before applying.

Last verified: October 10, 2026.

What’s not included

Values don’t include interest charges, so they assume you pay your balance in full each month. Insurance and perks without a set dollar value are listed but not counted.

WalletReturn is an independent comparison site, not the card issuer. Values are estimates.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Verify the issuer’s current product terms before applying.

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