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ManulifeMONEY+ Visa Infinite card review
Get comprehensive travel benefits and an accelerated return on cash back with this premium credit card.
Transfer your outstanding balance from another credit card and get the $120 annual fee waived for the first year and a 1.99% interest on balance transfers for the first six months.
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$0 annual fee for the first year ($120 thereafter)
Annual Fee
Up to 3% cash back
Rewards
Please note: All information about ManulifeMONEY+ Visa Infinite card has been collected independently by Finder and this product is not available through this site.
The ManulifeMONEY+ Visa Infinite card offers a full suite of travel benefits and a decent return on cash back. You’ll earn 3% cash back on groceries along with 2% on travel-related purchases and 1% on everything else. You can also get a get the $120 annual fee waived for the first year and a 1.99% interest on balance transfers for the first six months.
30-second take
- Think about this card if you want to earn comprehensive travel benefits and a generous welcome offer.
- Choose something else if you want low interest or no annual fee.
- You’ll need to have an individual income of $60,000 or a household income of $100,000 to apply for this credit card.
The basics
If you’re looking to take advantage of a full spread of travel benefits along with a decent return on cash back and a generous welcome bonus, then you might benefit from the ManulifeMONEY+ Visa Infinite card.
- Decent return. earn 3% cash back on groceries along with 2% on travel-related purchases and 1% on everything else.
- Low balance transfer rate. Transfer your outstanding balance from another credit card and get a 1.99% interest rate on this amount in your first 6 months.
- Travel medical insurance. Take advantage of emergency medical and travel accident insurance on your card.
- Travel benefits. Protect against losses with additional coverage for trip interruptions as well as baggage and flight delays.
- Manulife Bank One monthly fee waived. Get your Manulife Bank One monthly fee waived for the first year that you’re an active cardholder.
The perks
- Car rental insurance. Get covered for rental vehicle damage when you rent a car using your card.
- Optional balance protection. Pay an additional fee to protect your balance in case you can’t make your minimum monthly payments due to an emergency.
- Zero Liability insurance. Avoid paying for fraudulent activity on your account with Zero Liability insurance.
- Purchase protection. Rest easy with purchase insurance and extended warranty coverage on the products you buy with your card.
- Exclusive benefits. Access Visa Infinite Concierge Services and get special deals on hotels, experiences and events.
- Contactless payment. Sign up for Apple Pay, Google Pay or Samsung Pay to make easy tap and go payments.
What to watch out for
- Annual fee. It costs $120 per year to maintain this card (although you can qualify to have this fee waived in your first year).
- High interest. You’ll pay 19.99% interest on outstanding balances and 21.99% on cash advances and balance transfers.
- Earning caps. Accelerated cash back rates for groceries and travel only apply up to $25,000 (and up to $2,500 for the 10% introductory bonus rate).
- Fee for additional cards. Every time you add a card to your account it will cost $50.
- High minimum income. You’ll need to make at least $60,000 per year to qualify for this card.
- High minimum credit limit. You won’t be able to qualify for a credit limit below $5,000.
ManulifeMONEY+ Visa Infinite card interest rates
| Interest Type | Interest Rate |
|---|---|
| Purchase interest rate | 19.99% |
| Cash advance rate | 21.99% |
| Standard balance transfer rate | 21.99% |
What should I know before I apply
How to apply
- Head to the Manulife Bank website to begin your application.
- Complete the application, which includes providing your name, email address, social insurance number and birth date.
- Review and submit your application.
Compare other credit cards
Bottom line
If you’re a Manulife Bank customer and you want to earn a decent return on cash back for daily purchases, the ManulifeMONEY+ Visa Infinite card could be a good fit for you. This card comes with a generous welcome bonus and comprehensive travel insurance, but you’ll have to pay an annual fee to keep your account active.
