Annual Fee
Extra Card Fee
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
  • Enjoy a standard annual interest rate of 9.99% on purchases and balance transfers✪
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMs worldwide
  • Enhanced security and protection with Chip & PIN technology and PayPass
  • No annual fee
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.

‡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.

††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 The account must be used for at least one eligible transaction that is not subsequently rescinded, the subject of a charge back request or otherwise disputed.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 may be amended or cancelled at anytime without notice.

†Promotional AIR offers remain subject to: (i) your MBNA credit card account being in good standing during the promotional period, and (ii) your financial status not having changed since the date we initially determined that your account was eligible for a promotional AIR. The promotional AIR will increase at the end of the promotional AIR period or if you are late making any minimum payment, and any remaining balances will become subject to the applicable standard AIR.

✪Balance transfers and access cheques must be repaid and otherwise dealt with according to the terms of your Account Agreement and are subject to credit availability. Balance transfers and access cheques cannot be used for repayment of any account established or maintained by MBNA or its affiliates. A transaction fee may apply. See your Account Agreement for full details.

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Our Review

If your goal is to pay down credit card debt, than the Canadian Western Bank Platinum Plus Mastercard® could be worth a look.

This no fee card gives you a permanently low interest rate of 9.99% on purchases and balance transfers, allowing you pay down your credit card debt faster - saving you money on interest along the way.

Be warned though, the cash advance interest rate is a hefty 24.99%...and you will be charged the moment you make the withdrawal. No grace period whatsoever. So make sure you stick to just purchases and formal balance transfers with this card.

Most no fee cards that offer you a low interest rate are very lacking when it comes to insurance. But not the Platinum Plus card from MBNA which has 7 different types of insurance - at no cost to you. To find out more information check out the "Insurance Coverage" tab above.

Take the for instance. This card will give you an optional balance transfer rate of 1.99% for 6 months and then a permanently low rate of only 8.99% on all purchases, cash advances and balance transfers. It's a no fee card you should definitely have a look at.

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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