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MBNA Credit Cards

Choose a credit card with MBNA that suits your spending needs and support your personal interests, like your favourite sports team or charity.

Please note: All information about MBNA has been collected independently by Finder and products from MBNA are not available through this site.

MBNA offer a wide range of credit cards that suit unique spending habits and personal interests. Depending on the type of credit card you choose, you can pay zero annual fees or zero to low interest rates, earn travel rewards, support your favourite sports team or charity, be rewarded for your spending or enjoy complimentary extras like concierge services and travel insurance. Whether you are a student or a business professional, MBNA has a vast variety of credit cards that might help you work toward your financial goals.

In this guide, we cover everything you need to know about MBNA credit cards including the different types of credit cards available, the benefits and rewards of each, the eligibility requirements and how to apply for an MBNA credit card. Finally, we answer some of the most frequently asked questions when it comes to MBNA credit cards.

More information about MBNA

MBNA is a division of TD bank (Toronto-Dominion Bank) and offers a vast variety of credit cards that are associated with Canadian membership organizations, charities, educational and financial institutions, credit unions and sports associations.

Types of MBNA credit cards available

MBNA offer a huge variety of different credit cards that suit all types of financial situations and spending habits. Choose from credit cards that each offer specific benefits like complimentary insurance, travel rewards, balance transfers, low interest rates and zero annual fees. Here’s a summary of each of the main types of MBNA credit cards that are offered:

  • Balance Transfer credit cards

MBNA offer a range of zero to low interest rate credit cards that work in your favour to help you pay down your debt faster. Choose from 0% to 1.99% interest for 10 months. Many of these balance transfer cards typically come with no annual fees and complimentary insurance.

  • Travel Rewards credit cards

If you are a frequent traveller, you can take advantage of the benefits from an MBNA travel rewards credit card. These cards typically offer MBNA rewards points per dollar spent, bonus points, complimentary insurances and perks including concierge services, and other luxury travel rewards. MBNA rewards points can be redeemed for cash back, travel, merchandise, gift cards and more. MBNA are associated with Best Western, meaning you can earn extra points and perks specific to this company.

  • Automotive Rewards credit cards

MBNA are associated with Harley-Davidson and offer a Harley-Davidson credit card. This card allows you to earn points per dollar spent, which you can then redeem at any participating Harley-Davidson retailer in Canada. This card also has no annual fee and comes with complimentary travel insurance and rental car coverage.

  • No Annual Fee credit cards

Many of the credit cards offered at MBNA have no annual fees. These cards vary in terms of rewards and perks, however they typically come with complimentary travel insurance, rental car coverage and purchase protection and warranty coverage.

    • College and University credit cards

    Designed for alumni students from select Canadian colleges and universities, these cards typically come with no annual fees. When you spend money on eligible purchases, MBNA contribute a portion of the funds to your alumni association.

    • Sports credit cards

    MBNA are associated with a number of sports teams across Canada, including the Montreal Canadiens, the Toronto Raptors, and many others. These sports credit cards are specifically designed for sports fanatics who want to represent their team. These cards typically offer users points per dollar spent which can then be redeemed for merchandise, cash back, travel, sports experiences, memorabilia and more. With no annual fees, these cards also offer complimentary insurance, fraud protection and bonus points.

    • Professional credit cards

    These types of credit cards are designed for those who are in professional associations such as the Canadian Nurses Association, Remax, and others. With no annual fees, these cards tend to offer a few, but not all, of the following benefits: zero or low promo interest rates for up to 10 months, points per dollar spent, bonus points and complimentary insurance coverage.

    • Personal Interest credit cards

    Choose from a range of credit cards that cover a variety of different hobbies and personal interests. These types of cards offer some or all of the following benefits: low interest rates, zero to low interest rates for a promo period up to 10 months, complimentary insurance coverage, points per dollar spent and bonus points.

    • Charity credit cards

    You can help support a charitable cause while spending money on your credit card. MBNA are associated with a few different charities including the Canadian Wildlife Federation and Ducks Unlimited. Every time you use your charitable credit card on eligible purchases, a portion will be given to your charity. Alongside supporting a cause close to your heart, these cards also come with no annual fees, fraud protection and insurance coverage. Depending on the card you choose, you may also be offered a low intro APR for up to 10 months or points per dollar spent, which you can redeem for merchandise, cash back, travel and more.

    The benefits of banking with MBNA

    Some of the features you can enjoy when you get an MBNA credit card include:

    • MBNA rewards

    Depending on the credit card you choose, you may be offered a variety of different rewards including bonus points, low interest rates or promo introductory interest rates, and points per dollar that you can use toward merchandise, travel, cash back and gift cards.

    • MBNA Internet banking

    MBNA have a secure online banking site that you can use to check your balances, manage your money, pay your balances, send money to others, pay bills and move your money.

    • MBNA credit card complimentary extras

    Many MBNA credit cards come with complimentary extras like Purchase Security and Extended Warranty Protection. Some of the credit cards come with additional complimentary extras which may include travel insurance, auto rental and collision insurance, concierge services, and other luxury travel benefits.

    • MBNA credit cards security

    MBNA use a variety of methods to protect you from fraud including the use of encryption technology and real-time fraud detection. This means that you will be notified immediately if there is any unusual activity on your account.

    How to apply for an MBNA credit card

    Before you get started on your application, you should make sure that you meet the eligibility requirements for the specific credit card that you’re interested in. Eligibility requirements can vary between credit cards, but generally include the following:

    Eligibility requirements

    • Your age. You should be the age of majority in your province or territory, which is typically 18 years old.
    • Your residency status. You typically need to be a Canadian resident to apply for a Canadian credit card.
    • Your credit history. Check your credit score if you are unsure of your credit history before applying for a credit card. Most credit cards will require you to have good to excellent credit, while some may accept fair to poor credit, depending on the specific credit card.

    Information you will need for your application

    After checking that you are eligible for the credit card, you will need to gather the following information in order to proceed with the application process:

    • Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
    • Financial information. You will need information about your current employment, income and assets like shares or property and your employer’s contact details. If you are self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.
    MBNA have a large variety of credit cards on offer that provide different rewards and complimentary extras. These credit cards cater to a variety of different spending habits and financial needs. Before you decide on a specific card, be sure to compare different providers and credit cards.

    Compare other credit cards

    Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
    American Express Cobalt Card
    30,000 points
    Up to 5 points per $1 spent
    19.99%
    $120
    Min. recommended credit score: 700
    Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
    Tangerine World Mastercard
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO CashBack Mastercard
    5% cash back
    Up to 3% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO Preferred Rate Mastercard
    3.99% rate on balance transfers for 9 months
    N/A
    12.99%
    $20
    Min. recommended credit score: 660
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    Scotiabank Value Visa Card
    0.99% rate on balance transfers for 6 months
    N/A
    12.99%
    $29
    Min. recommended credit score: 650
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
    SimplyCash Card from American Express
    1.25% cash back
    Up to 2.5% cash back
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
    Choice Card from American Express
    10,000 points
    1 point per $1 spent
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
    Tangerine Money-Back Credit Card
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    HSBC +Rewards™ Mastercard®
    20,000 Points
    2x points per $1 spent
    11.9%
    $0 annual fee for the first year ($25 thereafter)
    Min. recommended credit score: 630
    Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
    BMO Rewards Mastercard
    10,000 points
    Up to 2 points per $1 spent
    19.99%
    $0
    Min. recommended credit score: 725
    Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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    Compare up to 4 providers

    Name Product Balance Transfer Rate Balance Transfer Fee Purchase Interest Rate Annual Fee Min. Credit Score Description
    Tangerine World Mastercard
    1.95% for the first 6 months (then 19.95%)
    3%
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO CashBack Mastercard
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 660
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO Preferred Rate Mastercard
    3.99% for the first 9 months (then 12.99%)
    1%
    12.99%
    $20
    Min. recommended credit score: 660
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    Scotiabank Value Visa Card
    0.99% for the first 6 months (then 12.99%)
    N/A
    12.99%
    $29
    Min. recommended credit score: 650
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
    Tangerine Money-Back Credit Card
    1.95% for the first 6 months (then 19.95%)
    3%
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO Rewards Mastercard
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 725
    Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 660
    Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard For Students
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 660
    Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
    BMO CashBack Mastercard For Students
    1.99% for the first 9 months (then 22.99%)
    1%
    19.99%
    $0
    Min. recommended credit score: 660
    Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).
    Scotia Momentum Visa Card
    2.99% for the first 6 months (then 22.99%)
    N/A
    19.99%
    $39
    Min. recommended credit score: 650
    Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by August 31, 2021.
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    Compare up to 4 providers

    Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
    American Express Cobalt Card
    30,000 points
    Up to 5 points per $1 spent
    19.99%
    $120
    Min. recommended credit score: 700
    Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
    Choice Card from American Express
    10,000 points
    1 point per $1 spent
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
    HSBC +Rewards™ Mastercard®
    20,000 Points
    2x points per $1 spent
    11.9%
    $0 annual fee for the first year ($25 thereafter)
    Min. recommended credit score: 630
    Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
    BMO Rewards Mastercard
    10,000 points
    Up to 2 points per $1 spent
    19.99%
    $0
    Min. recommended credit score: 725
    Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO World Elite Mastercard
    30,000 points
    Up to 3 points per $1 spent
    20.99%
    $0 annual fee for the first year ($150 thereafter)
    Min. recommended credit score: 760
    Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021
    Brim Mastercard
    Up to $200 worth of bonuses
    1 point per $1 spent
    19.99%
    $0
    Min. recommended credit score: 700
    Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
    American Express Aeroplan Card
    15,000 points
    Up to 2x points per $1 spent
    30% annual interest rate applies to balances not paid in full each month
    $120
    Min. recommended credit score: 700
    Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
    BMO eclipse Visa Infinite
    40,000 points
    Up to 5 points per $1 spent
    20.99%
    $0 annual fee for the first year ($120 thereafter)
    Min. recommended credit score: 760
    Get up to 40,000 points and the $120 annual fee waived in the first year.
    American Express Business Edge Card
    57,000 points
    Up to 3 points per $1 spent
    19.99%
    $99
    Min. recommended credit score: 700
    Earn up to 57,000 Membership Rewards points in your first year.
    American Express AIR MILES Platinum Credit Card
    2,000 Miles
    Up to 1 Air Mile per $5 - $10 spent
    20.99%
    $120
    Min. recommended credit score: 700
    Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
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    Compare up to 4 providers

    Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
    Tangerine World Mastercard
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    BMO CashBack Mastercard
    5% cash back
    Up to 3% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    SimplyCash Card from American Express
    1.25% cash back
    Up to 2.5% cash back
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 1.25% cash back on all eligible purchases.
    Tangerine Money-Back Credit Card
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    SimplyCash Preferred Card from American Express
    10% cash back
    2% cash back
    19.99%
    $99
    Min. recommended credit score: 700
    Earn 2% cash back on all eligible purchases
    BMO CashBack World Elite Mastercard
    Up to 10% cash back
    1% cash back
    20.99%
    $0 annual fee for the first year ($120 thereafter)
    Min. recommended credit score: 760
    Earn 5% cash back on groceries, 4% on transit including ride sharing, taxis and public transportation, 3% on gas and electric vehicle charging, 2% on recurring bill payments and 1% unlimited cash back on all eligible purchases.
    Shell CashBack Mastercard from BMO
    $50 in cash back + 1% cash back
    Up to 1.5% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
    BMO Cashback Business Mastercard
    10% cash back
    Up to 1.75% cash back
    19.99%
    $0
    Min. recommended credit score: 650
    Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.
    BMO CashBack Mastercard For Students
    5% cash back
    Up to 3% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Shell CashBack World Mastercard from BMO
    N/A
    Up to 3% cash back
    19.99%
    $79
    Min. recommended credit score: 760
    Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
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    Compare up to 4 providers

    Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
    Tangerine World Mastercard
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO CashBack Mastercard
    5% cash back
    Up to 3% cash back
    19.99%
    $0
    Min. recommended credit score: 660
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    SimplyCash Card from American Express
    1.25% cash back
    Up to 2.5% cash back
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
    Choice Card from American Express
    10,000 points
    1 point per $1 spent
    19.99%
    $0
    Min. recommended credit score: 700
    Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
    Tangerine Money-Back Credit Card
    1.95% rate on balance transfers for 6 months
    Up to 2% cash back
    19.95%
    $0
    Min. recommended credit score: 680
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).