Spend your way to free nights at Best Western properties with no limit on the amount you can earn.

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.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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.

† Promotional Rates: Balance Transfers: 1.99%

This Promotional Rate applies to any balance transfers made within 90 days of your account opening (each, an “eligible transaction”) and will remain in effect for 10 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment. Other conditions apply. Offer may be changed, extended or withdrawn at any time, without notice.

Standard Rates: Purchases: 19.99% . Balance transfers and access cheques: 22.99% . Cash advances: 22.99%

Default Rates: If your Minimum Payment is late twice within any 12 consecutive Statement Periods (the ""change event""), the Standard Rate(s) that apply to your account at that time will increase 5% to a maximum of 29.99%. The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event.

If you then pay each Minimum Payment on time for 12 consecutive Statement Periods (""cure period""), the Standard Rate(s) that apply to your account at that time will decrease back to the previous Standard Rate(s) prior to the rate increase on the first day of the first Statement Period that occurs after the cure period.

✪ 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).

‡ 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 www.bestwestern.com/bwrterms, 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.

†† 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 within the first 90 days of account opening 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 Best Western and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

Each Best Western® branded hotel is independently owned and operated. Best Western and the Best Western marks are service marks or registered service marks of Best Western International, Inc.

If we find your match, we’ll give you up to $25 when you refer your friends.*

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!

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