$0 annual fee for the first year ($120 thereafter)
Up to 3% cash back
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.
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.
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.
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
Purchase interest rate
Cash advance rate
Standard balance transfer rate
What should I know before I apply
To apply for a ManulifeMONEY+ Visa Infinite card, you need to meet the following criteria:
Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces).
Earn a minimum individual income of $60,000 or a minimum household income of $100,000 .
Your name, residential status and contact information.
Your social insurance number and date of birth.
Your email address and phone number.
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
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.
Frequently asked questions about the ManulifeMONEY+ Visa Infinite card
It sure does. You can get a 1.99% interest rate on this amount in your first 6 months. It’s also possible to get your first annual card fee waived, as well as your Manulife Bank One monthly fee for the first year that you’re an active cardholder.
If you spend $600 per month on groceries, you can save around $216 in cash back over the course of the year. This amount is even higher if you factor in the 10% welcome bonus that you’ll receive in your first 3 months.
cash back is automatically posted to your account four times per year in March, June, September and December. You’ll see your cash back appear on your statement as a credit to your outstanding balance.
Sure thing. You can look at the ManulifeMONEY+ Visa Infinite card if you want to collect cash back without a fee. Just be aware that you’ll get a lower return and fewer benefits when you sign up for this card.
Sure thing. You can look at the ManulifeMONEY+ Visa Platinum card if you want to collect cash back without a fee. Just be aware that you’ll get a lower return and fewer benefits when you sign up for this card.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.