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MBNA Credit Cards: Fees, Rates and Rewards of Each Mastercard

Updated

MBNA’s credit card comparison page lists the MBNA True Line Mastercard, the MBNA True Line Gold Mastercard, the MBNA Rewards Platinum Plus Mastercard, the MBNA Rewards World Elite Mastercard and the Amazon.ca Rewards Mastercard. The MBNA Smart Cash Platinum Plus Mastercard and Smart Cash World Mastercard have their own pages on mbna.ca.

What does each MBNA credit card cost and earn?

MBNA's credit cards, from our verified records
CardAnnual feeEarn rateMinimum incomePurchase rateForeign transaction fee
MBNA Rewards World Elite Mastercard$1205 MBNA Rewards points per $1 on restaurants, groceries, digital media, memberships and household utilities (each on its first $50,000 a calendar year), 1 on everything elseOver $80,000 personal or $150,000 household21.99%Not stated by MBNA
MBNA Rewards Platinum Plus Mastercard$02 MBNA Rewards points per $1 on restaurants, groceries, digital media, memberships and household utilities (first $10,000 a year in each category), 1 on everything elseNone stated21.99%Not stated by MBNA
MBNA Smart Cash World Mastercard$392% cash back on gas and groceries (first $500 a month combined), 1% on everything elseMore than $50,000 personal or $80,000 household21.99%Not stated by MBNA
Amazon.ca Rewards Mastercard$02.5 points per $1 (2.5% back) at Amazon.ca, Whole Foods Market and on foreign currency purchases for Prime members (1.5 at Amazon.ca and Whole Foods without Prime), 1 point per $1 on everything else, no capNone stated (World version needs over $50,000 personal or $80,000 household)21.74%2.5%
MBNA Smart Cash Platinum Plus Mastercard$02% cash back on gas and groceries (first $500 a month combined), 0.5% on everything elseNone stated21.99%Not stated by MBNA
MBNA True Line Mastercard$0No rewardsNone stated12.99%Not stated by MBNA
MBNA True Line Gold Mastercard$39No rewardsNone stated10.99%Not stated by MBNA

Each card’s fact sheet, linked from its name, has the full terms we checked.

How are MBNA’s rewards paid?

  • MBNA Rewards cards earn points in the MBNA Rewards Program, which MBNA says lets you earn, save and redeem points.
  • Smart Cash cards award MBNA Dollars on eligible transactions.
  • The Amazon.ca Rewards Mastercard earns points at a rate set by your Amazon Prime status, and they are redeemed for Amazon.ca gift cards loaded to your Amazon.ca account.
  • The MBNA True Line Mastercard is a low rate card, and MBNA calls the True Line Gold its lowest rate card.

Which MBNA card suits your spending?

Enter your monthly card spending to rank MBNA's cards by dollars back a year after fees.

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Ranked by dollars back a year after fees, for your spending. Welcome offers, benefits and promoted cards never change the order.

  1. 1

    MBNA Rewards World Elite Mastercard

    $904a year after fees
    • 102,427 points a year at 1¢ (any travel or portal)
    • Fees $120
    • 2.63% back on spending

    Welcome offerUp to 30,000 MBNA Rewards points (outside Quebec).No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Baggage
    • Flight delay
    • Rental car
    • Mobile device
    • Purchase protection
    • +1 more

    Facts checked Nov 12, 2026 · Card details

  2. 2

    MBNA Rewards Platinum Plus Mastercard

    $548a year after fees
    • 54,808 points a year at 1¢ (any travel or portal)
    • Fees $0
    • 1.41% back on spending

    Welcome offerUp to 10,000 bonus MBNA Rewards points, plus 4 points per $1 on the bonus categories for the first 90 days.No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Mobile device
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  3. 3

    MBNA Smart Cash World Mastercard

    $410a year after fees
    • $449 cash back a year
    • Fees $39
    • 1.15% back on spending

    Welcome offer5% cash back on gas and groceries for the first 6 months (first $500 a month combined).No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Rental car
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  4. 4

    Amazon.ca Rewards Mastercard

    $389a year after fees
    • 38,935 points a year at 1¢ (its lowest stated rate)
    • Fees $0
    • 1.00% back on spending

    Welcome offer5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for 6 months on your first $3,000 of those purchases.No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Purchase protection
    • Extended warranty
    • Rental car

    Facts checked Nov 12, 2026 · Card details

  5. 5

    MBNA Smart Cash Platinum Plus Mastercard

    $285a year after fees
    • $285 cash back a year
    • Fees $0
    • 0.73% back on spending

    Welcome offer5% cash back on gas and groceries for the first 6 months (first $500 a month combined).No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Rental car
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  6. 6

    MBNA True Line Mastercard

    $0a year after fees
    • Fees $0

    Welcome offer0% promotional rate for 12 months on balance transfers completed within 90 days of account opening (3% transfer fee, minimum $3.50).No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  7. 7

    MBNA True Line Gold Mastercard

    -$39a year after fees
    • Fees $39
    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

How do MBNA cardholders log in and activate a card?

MBNA’s site links to its online banking login and to card activation.

Compare MBNA's cards with all 162 cards we've checked, from 24 banks, in the card finder

Sources

The figures and rules on this page come from these sources. About CardNorth.