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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.

Emma Balmforth
Emma Balmforth

Updated

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 Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    American Express Cobalt Card
    American Express Cobalt Card
    19.99%
    21.99%
    $120
    N/A
    Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
    Earn up to 45,000 bonus Membership Rewards points. In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a Welcome Bonus of 15,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. Apply by May 5, 2021.
    Go to site
    More Info
    BMO World Elite Mastercard
    BMO World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($150 thereafter)
    $80,000
    Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
    Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
    Go to site
    More Info
    American Express Aeroplan Card
    American Express Aeroplan Card
    30% annual interest rate applies to balances not paid in full each month
    N/A
    $120
    N/A
    Earn 2x the points on eligible purchases made directly with Air Canada and Air Canada vacations, 1.5x the points on eligible dining and food delivery purchases and 1x the points on everything else.
    Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
    Go to site
    More Info
    SimplyCash Preferred Card from American Express
    SimplyCash Preferred Card from American Express
    19.99%
    21.99%
    $99
    N/A
    Earn 2% cash back on all eligible purchases
    Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
    Go to site
    More Info
    Choice Card from American Express
    Choice Card from American Express
    19.99%
    23.99%
    $0
    N/A
    Earn 1 American Express Membership Point for every $1 you spend on purchases.
    Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months of Cardmembership.
    Go to site
    More Info
    BMO Preferred Rate Mastercard
    BMO Preferred Rate Mastercard
    12.99%
    12.99%
    $20
    $15,000
    Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
    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.
    Go to site
    More Info
    BMO eclipse Visa Infinite
    BMO eclipse Visa Infinite
    20.99%
    23.99%
    $0 annual fee for the first year ($120 thereafter)
    $60,000
    Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.
    Get up to 40,000 points and the $120 annual fee waived in the first year. Earn 25,000 points after you spend $3,000 in the first 3 months and get 15,000 points on your first anniversary.
    Go to site
    More Info
    Tangerine Money-Back Credit Card
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first 6 months, 19.95% thereafter
    19.95%
    $0
    $12,000
    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.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    Go to site
    More Info
    American Express Aeroplan Reserve Card
    American Express Aeroplan Reserve Card
    19.99%
    21.99%
    $599
    N/A
    Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1x the points on everything else.
    Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
    Go to site
    More Info
    American Express Business Edge Card
    American Express Business Edge Card
    19.99%
    21.99%
    $99
    N/A
    Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
    Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
    Go to site
    More Info
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    Compare up to 4 providers

    Name Product Purchase Interest Rate Balance Transfer Rate Balance Transfer Fee Annual Fee Minimum Income Reward Description
    BMO Preferred Rate Mastercard
    BMO Preferred Rate Mastercard
    12.99%
    3.99% for the first 9 months (then 12.99%)
    1%
    $20
    $15,000
    Go to site
    More Info
    Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
    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.
    Tangerine Money-Back Credit Card
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first 6 months, 19.95% thereafter
    1.95% for the first 6 months (then 19.95%)
    3%
    $0
    $12,000
    Go to site
    More Info
    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.
    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
    BMO Rewards Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Go to site
    More Info
    Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
    Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard
    BMO AIR MILES Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Go to site
    More Info
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    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 CashBack Mastercard
    BMO CashBack Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Go to site
    More Info
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO AIR MILES Mastercard For Students
    BMO AIR MILES Mastercard For Students
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Go to site
    More Info
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    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
    BMO CashBack Mastercard For Students
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Go to site
    More Info
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
    Scotiabank Value Visa Card
    Scotiabank Value Visa Card
    12.99%
    0.99% for the first 6 months (then 12.99%)
    N/A
    $29
    $12,000
    Go to site
    More Info
    Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by February 28, 2021.
    Scotia Momentum Visa Card
    Scotia Momentum Visa Card
    19.99%
    2.99% for the first 6 months (then 22.99%)
    N/A
    $39
    $12,000
    Go to site
    More Info
    Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spend is reached).
    Get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by February 28, 2021.
    Tangerine World Mastercard
    Tangerine World Mastercard
    19.95%
    1.95% for the first 6 months (then 19.95%)
    3%
    $0
    $60,000
    Go to site
    More Info
    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.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    loading

    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    American Express Cobalt Card
    American Express Cobalt Card
    19.99%
    21.99%
    $120
    N/A
    Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
    Earn up to 45,000 bonus Membership Rewards points. In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a Welcome Bonus of 15,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. Apply by May 5, 2021.
    Go to site
    More Info
    BMO AIR MILES World Elite Mastercard
    BMO AIR MILES World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($120 thereafter)
    $80,000
    Get 1 AIR MILE for every $10 spent on eligible purchases.
    Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.
    Go to site
    More Info
    American Express AIR MILES Platinum Credit Card
    American Express AIR MILES Platinum Credit Card
    20.99%
    21.99%
    $120
    N/A
    Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
    Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
    Go to site
    More Info
    American Express Aeroplan Card
    American Express Aeroplan Card
    30% annual interest rate applies to balances not paid in full each month
    N/A
    $120
    N/A
    Earn 2x the points on eligible purchases made directly with Air Canada and Air Canada vacations, 1.5x the points on eligible dining and food delivery purchases and 1x the points on everything else.
    Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
    Go to site
    More Info
    BMO eclipse Visa Infinite
    BMO eclipse Visa Infinite
    20.99%
    23.99%
    $0 annual fee for the first year ($120 thereafter)
    $60,000
    Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.
    Get up to 40,000 points and the $120 annual fee waived in the first year. Earn 25,000 points after you spend $3,000 in the first 3 months and get 15,000 points on your first anniversary.
    Go to site
    More Info
    Marriott Bonvoy American Express Card
    Marriott Bonvoy American Express Card
    19.99%
    21.99%
    $120
    N/A
    Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend. Terms apply
    Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership. Terms apply
    Go to site
    More Info
    Choice Card from American Express
    Choice Card from American Express
    19.99%
    23.99%
    $0
    N/A
    Earn 1 American Express Membership Point for every $1 you spend on purchases.
    Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months of Cardmembership.
    Go to site
    More Info
    American Express Business Edge Card
    American Express Business Edge Card
    19.99%
    21.99%
    $99
    N/A
    Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
    Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
    Go to site
    More Info
    BMO World Elite Mastercard
    BMO World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($150 thereafter)
    $80,000
    Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
    Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
    Go to site
    More Info
    Shell AIR MILES Mastercard from BMO
    Shell AIR MILES Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
    Go to site
    More Info
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    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee Minimum Income Reward
    SimplyCash Preferred Card from American Express
    SimplyCash Preferred Card from American Express
    19.99%
    21.99%
    2%
    $99
    N/A
    Go to site
    More Info
    Earn 2% cash back on all eligible purchases
    Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
    SimplyCash Card from American Express
    SimplyCash Card from American Express
    19.99%
    21.99%
    1.25%
    $0
    N/A
    Go to site
    More Info
    1.25% cash back rate on all purchases when your welcome offer ends. No cap
    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).
    Tangerine Money-Back Credit Card
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first 6 months, 19.95% thereafter
    19.95%
    2%
    $0
    $12,000
    Go to site
    More Info
    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.
    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 World Elite Mastercard
    BMO CashBack World Elite Mastercard
    19.99%
    22.99%
    1.5%
    $0 annual fee for the first year ($120 thereafter)
    $80,000
    Go to site
    More Info
    Earn 1.5% cash back on all eligible purchases.
    Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.
    Shell CashBack Mastercard from BMO
    Shell CashBack Mastercard from BMO
    19.99%
    22.99%
    1.5%
    $0
    $15,000
    Go to site
    More Info
    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.
    Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
    BMO Cashback Business Mastercard
    BMO Cashback Business Mastercard
    19.99%
    22.99%
    1.75%
    $0
    N/A
    Go to site
    More Info
    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.
    Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.
    BMO CashBack Mastercard
    BMO CashBack Mastercard
    19.99%
    22.99%
    0.5%
    $0
    $15,000
    Go to site
    More Info
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO CashBack Mastercard For Students
    BMO CashBack Mastercard For Students
    19.99%
    22.99%
    0.5%
    $0
    $15,000
    Go to site
    More Info
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
    Shell CashBack World Mastercard from BMO
    Shell CashBack World Mastercard from BMO
    19.99%
    22.99%
    3%
    $79
    $60,000
    Go to site
    More Info
    Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
    Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
    Scotia Momentum No-Fee Visa Card
    Scotia Momentum No-Fee Visa Card
    7.99% intro APR for the first 6 months, 19.99% thereafter
    22.99%
    1%
    $0
    $12,000
    Go to site
    More Info
    Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
    Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by February 28, 2021.
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    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    BMO CashBack Mastercard
    BMO CashBack Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
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    Tangerine Money-Back Credit Card
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first 6 months, 19.95% thereafter
    19.95%
    $0
    $12,000
    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.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
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    Choice Card from American Express
    Choice Card from American Express
    19.99%
    23.99%
    $0
    N/A
    Earn 1 American Express Membership Point for every $1 you spend on purchases.
    Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months of Cardmembership.
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    Shell AIR MILES Mastercard from BMO
    Shell AIR MILES Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
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    Shell CashBack Mastercard from BMO
    Shell CashBack Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    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.
    Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
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    BMO Rewards Mastercard
    BMO Rewards Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
    Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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    BMO IGA AIR MILES Mastercard
    BMO IGA AIR MILES Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent on eligible purchases at IGA stores and at participating AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
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    BMO AIR MILES Mastercard
    BMO AIR MILES Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    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.
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    BMO AIR MILES Mastercard For Students
    BMO AIR MILES Mastercard For Students
    19.99%
    22.99%
    $0
    $15,000
    Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
    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.
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    BMO CashBack Mastercard For Students
    BMO CashBack Mastercard For Students
    19.99%
    22.99%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
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    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Reward
    BMO Preferred Rate Mastercard
    BMO Preferred Rate Mastercard
    12.99%
    12.99%
    $20
    $15,000
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    Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
    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.
    HSBC +Rewards™ Mastercard®
    HSBC +Rewards™ Mastercard®
    11.9%
    11.9%
    $25
    N/A
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    Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.
    Get a low interest rate for purchases, cash advances and balance transfers.
    BMO Rewards Business Mastercard
    BMO Rewards Business Mastercard
    14.99%
    22.99%
    $0 annual fee for the first year ($120 thereafter)
    N/A
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    Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies, cell phone bills and internet bills, and earn 1.5 BMO Rewards points for every $1 you spend elsewhere.
    Get up to $470 in value in your first year. Get 50,000 BMO Rewards points when you spend $5,000 in the first three months. Plus, the primary cardholder will get the first year $120 annual fee waived.
    Business Platinum Card from American Express
    Business Platinum Card from American Express
    N/A
    N/A
    $499
    N/A
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    Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
    Earn a Welcome Bonus of 50,000 Membership Rewards points when you charge $7,000 in purchases to your Card in your first three months of Cardmembership.
    American Express Business Gold Rewards Card
    American Express Business Gold Rewards Card
    N/A
    N/A
    $250
    N/A
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    Earn 2 Membership Rewards points for every $1 spent on eligible purchases at select American Express merchant suppliers in Canada (choose 3 suppliers), and earn 1 Membership Reward point for every $1 spent on eligible purchases elsewhere
    Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months
    Scotiabank Value Visa Card
    Scotiabank Value Visa Card
    12.99%
    12.99%
    $29
    $12,000
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    Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by February 28, 2021.
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    Frequently asked questions about MBNA credit cards

    We have the answers to some of the most commonly asked questions about MBNA credit cards. If you can’t find the answer to your question below, or if you’d like to leave us some feedback, get in touch with us by filling out the form at the bottom of this page.

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