This card will give you valuable rewards everywhere you shop, plus a pretty impressive insurance package – all for no annual fee.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
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.

‡ 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. You will earn two (2) points per dollar spent on eligible gas, grocery and restaurant purchases to a maximum annual amount of $5,000 in each category. Eligible purchases that are not eligible gas, grocery and restaurant purchases will earn a Base Earn Rate of one (1) point per dollar. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions 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. Welcome bonus of 5,000 points will be awarded if $500 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. For the double the points on gas, grocery and restaurant Purchases offer, for the first 90 days after account opening you will earn an additional 2 points/$1 spent on eligible gas, grocery and restaurant purchases (on top of the regular earn rate of 2 points/$1 spent on such purchases as indicated in the Program terms and conditions), subject to a maximum annual cap of $5,000 in each category. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

✪ 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).

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

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

Our Review

If you're looking for a no fee travel card, the MBNA Rewards Platinum Plus® Mastercard® is the obvious choice.

Not only does it allow you to earn flexible rewards that can be used in a number of different ways, but it comes armed with one of the best no fee credit card insurance packages on the market.

With every purchase you make, the MBNA Rewards Platinum Plus Mastercard will give you:

  • 2 points per dollar spent on gas, groceries, and restaurant purchases (up to $5,000 spent annually in each category), and...
  • 1 point per dollar spent on all other purchases.

It also comes with a great sign-up bonus. You'll earn 5,000 points after spending $500 in the first 3 months, and another 5,000 points when you sign-up for e-statements within 90 days after receiving your card. To top it off, you'll earn 4 points per $1 spent on gas, groceries, and restaurants in the first 3 months as well.

Like it’s big brother, the MBNA Rewards Platinum Plus Mastercard gives you 5 options to redeem your points. And despite being labeled a rewards card…

The redemption value for travel is 100 points per $1, but for cash and charity donations it is 200 points per $1. Merchandise & gift cards point values are disclosed in the rewards catalogue – or you can head to our in-depth review here to get all the information you need.

Unlike other cards, YOU are in control of how and when you redeem your cash or rewards. MBNA’s online interface lets you redeem on demand how you want and when you want.

Why do others force you into statement credits once a year? Your guess is as good as mine...

And, as an added bonus, there are 7 different types of travel and purchase insurance included, so that you can shop and travel worry free. Not bad for a no fee card.

What are your thoughts?

Pairs well with...

Featured In:

The Globe and Mail
Toronto Star
Financial Post
New York Times