Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Balance Transfer
Transfer Term
10 months
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases.
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties.
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay.
  • You will be awarded “Gold Status” upon first use of your credit card and “Diamond Status” when you spend $10,000 in eligible purchases within one year.◊◊
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year.
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more.
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 months on balance transfers [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50).
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $1,000,000
Trip Interruption $2,000
Rental Car Theft & Damage Yes
Rental Car Accident $200,000
Rental Car Personal Effects $1,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

** Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened. Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of insurance benefits, including terms, conditions, limitations and exclusions are in the Certificate of Insurance provided with your card.

a By calling to apply for this credit card, you acknowledge your agreement to the Terms and Conditions of Offer and Privacy Terms in this application.

~ As a Mastercard credit card cardholder, you will receive the benefit of Zero Liability in the event of the unauthorized use of your Canadian-issued Mastercard credit card. Zero Liability is provided under specific conditions. Visit for more information.

§ You agree that if no language preference box is checked, you have expressly requested that any agreement and other documents and correspondence related to this application and any credit device and Account approved be drawn up in English only. / Vous convenez que si acune case de préférence de langue n'est cochée, vous avez expressément demandé que toute convention et tout autre document et correspondance se rattachant à cette demande, et à tout instrument de crédit et Compte approuvés soient rédigés en langue anglaise.

‡ These are highlights of the credit card rewards program (the " Program ") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated points can only be redeemed in accordance with the Best Western Rewards Program. The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Best Western Rewards Program. Please visit, call Best Western at 1.800.237.8483 or contact Best Western by mail at P.O. Box 42007, Phoenix, AZ, 85080-2207 for complete Best Western Rewards ® Program terms and conditions.

◊◊ Eligibility for this offer will be determined based on the total amount of new eligible purchase transactions charged, and not subsequently rescinded or the subject of a charge back request, to a cardholder's Best Western Rewards ® Platinum Plus credit card account during a calendar year and recorded on the cardholder's statement closing dates for January through December in respect of such year ("eligible transaction"). Gold Elite Status will be awarded after the account has been used for at least one eligible transaction. Gold Elite Status upgrades will be effective 4 to 6 weeks after the first eligible transaction. A cardholder will be awarded Diamond Elite Status for the following calendar year if the cardholder has eligible transactions totaling at least ten thousand dollars in Canadian funds (CDN $10,000) in the current calendar year. To retain this status, cardholder must continue to have eligible transactions totaling at least ten thousand dollars in Canadian funds (CDN $10,000) during the prior calendar year. Diamond Elite Status upgrades will be effective within 4 to 6 weeks of eligibility. Cardholders cannot combine multiple accounts in order to reach the threshold amount. This promotion is offered exclusively by and at the sole discretion of Best Western and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for the Best Western Rewards program. For a complete explanation of the benefits associated with each Best Western Rewards Elite Status tier, please visit .

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by MBNA and Best Western and may be amended or cancelled at any time without notice.

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Our Review

A $100+ sign up bonus and 7 types of insurance coverage...from a no fee credit card? Say hello to the Best Western Mastercard from MBNA.

With this card you are given 20,000 Best Western Points when you make your first purchase, which are worth $112 in Best Western gift cards - should be enough for a free night in a hotel!

If you want even more value, you can also use those 20,000 points for up to 2 free nights at select Best Western properties. The lowest free night rate is 8,000 points at their category 1 hotels - but those are pretty scarce. If you use all 20,000 points in one shot, you can stay at one of their better properties for one night.

Here are all the hotel reward categories they offer:

  • Category 1: 8,000 points
  • Category 2: 12,000 points
  • Category 3: 16,000 points
  • Category 4: 20,000 points
  • Category 5: 24,000 points
  • Category 6: 28,000 points
  • Category 7: 32,000 points
  • Category 8: 36,000 points

And there are 7 insurance coverages included at no extra cost, so you're covered when you shop, when you travel, and when you rent a car. Check out the full list in the tab above.

Best Western Reward points are flexible and can be used for merchandise or different types of gift cards: retail, hotel, restaurants, and travel.

These points can even be transferred to Aeroplan or AIR MILES. The downside here is that you lose a lot of the value this way, so it's best to do a little research so that you know you are getting the best value out of your points.

Tip: To save you some time, free hotel nights usually give the best value.

The amount of rewards you can earn has no limit or cap. No complicated tiers either. Just use your card wherever you shop and earn 1 point for every dollar spent. For an even better deal, you can use your card on Best Western purchases you will get 5x.

If you're looking for a great starter no fee travel card, you've found it!

What are your thoughts?

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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