--> --> MBNA Rewards World Elite Mastercard November 2025 | creditcardGenius --> --> -->   App Exclusive: $175 GeniusCash on a travel card with up to 100K bonus points! Download Now × 5 Hello! Sign In $150 Cash Back Compare Credit Cards Compare Credit Cards Compare Credit Cards Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Best Credit Cards Best Credit Cards Best Credit Cards Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Blog, News & Deals Blog, News & Deals Blog, News & Deals Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Your Credit Score Your Credit Score Your Credit Score Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Credit Card Quiz × GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers $150 Cash Back Compare Credit Cards Credit Cards in Canada Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. Best Credit Cards Best Credit Cards for 2025 Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa Blog, News & Deals Latest Blog Articles Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over Your Credit Score Credit Score Guide Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz Mastercard MBNA MBNA Rewards World Elite ® Mastercard ® 5.0 Genius Rating 3.3 (81) User reviews ×4 Award winner $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * Earn up to 5 points per $1 spent on purchases, an annual birthday bonus of up to 15,000 points, and a comprehensive insurance package with our #1-rated Mastercard in Canada. $120.00 Annual fee Learn more $300 ◊ Welcome bonus 30,000 points $686 ◊ Annual rewards GC Ends: Dec 31, 2025 Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure. GC: $100 I Want This Deal Add to wallet Credit estimate:  (725 - 759) Instant approval: Yes Mastercard MBNA MBNA Rewards World Elite ® Mastercard ® GC: $100 5.0 Genius Rating 3.3 (81) User reviews 4x Award winner I Want This Deal Add to wallet $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * Earn up to 5 points per $1 spent on purchases, an annual birthday bonus of up to 15,000 points, and a comprehensive insurance package with our #1-rated Mastercard in Canada. $120.00 Annual fee Learn more $300 ◊ Welcome bonus 30,000 points $686 ◊ Annual rewards GC Ends: Dec 31, 2025 Credit estimate:  (725 - 759) Instant approval: Yes Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits User Reviews (81) Pairs Well With Pros & cons Pros Up to 30,000 bonus points. Up to 5 points per $1 spent on purchases. 10% bonus points every year on your birthday. Includes 12 types of insurance. Cons High income requirements of either $80,000 personal or $150,000 household. Your rewards $100 GeniusCash offer On approval, receive $100 GeniusCash on us when you apply for MBNA Rewards World Elite Mastercard using this offer page . GeniusCash offer expires on Dec 31, 2025 . $100 Getting your welcome bonus Based on $2,000 in monthly spending, you can get up to 30,000 points which translates to an estimated $300 . ◊ For all welcome bonus details click here . How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With MBNA Rewards World Elite Mastercard , here's how you earn rewards: 5 points for every $1 spent on restaurants , groceries , and select recurring bills (up to $50,000 spent annually per category) 1 point per $1 spent on all other purchases For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For MBNA Rewards World Elite Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Any travel $686   e-Gift Cards $680 Gift Cards $631   Merchandise $590 Statement Credit/Direct Deposit (World Elite) $570   Statement Credit/Direct Deposit (Platinum Plus) $343 Any travel $686 e-Gift Cards $680 Gift Cards $631 Merchandise $590 Statement Credit/Direct Deposit (World Elite) $570 Statement Credit/Direct Deposit (Platinum Plus) $343 Learn more about MBNA Rewards. This card doesn't offer any rewards. Rewards Points Calculator Enter your rewards balance to calculate how much your points are worth. Review your redemption options and recommendations to get the most value. Reward Program AAdvantage Aeroplan Air Miles Alaska Airlines Mileage Plan Avianca LifeMiles American Express Membership Rewards BMO Rewards British Airways Executive Club Cathay Pacific Asia Miles Flying Blue Desjardins BONUSDOLLARS CIBC Aventura Rewards Delta SkyMiles MBNA Rewards Marriott Bonvoy More Rewards Porter VIPorter Plum Rewards Journie Rewards MyMcDonald's Rewards National Bank A La Carte Rewards PC Optimum Qatar Airways Privilege Club Avion Rewards (Elite) Rexall BeWell Scene+ TD Rewards Tims Rewards United MileagePlus WestJet Rewards Triangle Rewards Avion Rewards (Premium) Points Balance Our recommendations: Use your points for Any Travel to get the most value. $10 Avoid using points for Statement Credit/Direct Deposit (Platinum Plus) as this gives you the lowest value. $5 Using your points for Any Travel instead of Statement Credit/Direct Deposit (Platinum Plus) will save you $5 . Point Values Redemption Option Point Value Total Value Any travel 1 cent $10 e-Gift Cards 0.99 cents $10 Gift Cards 0.92 cents $9 Merchandise 0.86 cents $9 Statement Credit/Direct Deposit (World Elite) 0.83 cents $8 Statement Credit/Direct Deposit (Platinum Plus) 0.5 cents $5 Redemption Options Any travel Redeem for travel through MBNA Rewards $10 e-Gift Cards Variety of electronic gift cards $10 Gift Cards Variety of gift cards $9 Merchandise Assortment of merchandise $9 Statement Credit/Direct Deposit (World Elite) Statement credit or direct deposit to a chequing account $8 Statement Credit/Direct Deposit (Platinum Plus) Statement credit or direct deposit to a chequing account $5 Calculating your annual rewards $24,000 annual spending x 2.86% return on spending = $686 annual rewards $686 annual rewards − $120.00 annual fee = $566 net annual rewards Details and eligibility Do I qualify? Estimated Credit Score 725 - 759 Personal Income $80,000 Household Income $150,000 Canadian resident who has reached the provincial age of majority. Fees Annual Fee $120.00 Extra Card Fee $50 Card type Credit Interest rates Purchase 21.99% Cash Advance 22.99% Balance Transfer 22.99% Insurance coverage Extended Warranty 1 year Purchase Protection 90 days Price Protection Yes Mobile Device $1,000 Travel Accident $1,000,000 Trip Interruption $2,000 Flight Delay $500 Baggage Delay $500 Lost or Stolen Baggage $500 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, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating MBNA Rewards World Elite Mastercard's 5.0 Genius Rating is based on the weighted average of the following scores: Rewards 5.0 Fees 2.3 Insurance 3.8 Interest 1.8 Perks 1.8 Approval 2.4 Acceptance 5.0 User Reviews 3.3 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Awards Each year for our annual credit card rankings our Genius Rating algorithm computes the best credit cards across 28 different categories. Here’s what this card has won this year: Top cards from MBNA GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) Up to 20,000 bonus points + Annual bonus worth up to 15k points. * MBNA Smart Cash ® World Mastercard ® 5% on gas and groceries for 6 months + Up to 2% cash back on all purchases. * MBNA Smart Cash Platinum Plus ® Mastercard ® 5% on gas and groceries for 6 months + 2% cash back on all purchases. * MBNA Rewards World Elite Mastercard review Written by creditcardGenius Team   Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. Looking for a card that provides great value for any type of travel ? The MBNA Rewards World Elite Mastercard will do just that. You'll earn plenty of points on your purchases, which can then be used for any travel deal you book from MBNA Rewards . Or, you can get some cash instead, and use it for whatever you want. Here's what this card has to offer. In this article Earning rewards with the MBNA Rewards World Elite Mastercard 3 benefits to the MBNA Rewards World Elite Mastercard 2 downsides to the MBNA Rewards World Elite Mastercard Comparison to the MBNA Rewards Platinum Plus Mastercard FAQ Earning rewards with the MBNA Rewards World Elite Mastercard With this credit card, you'll be earning MBNA Rewards points on all your purchases. Here's what your earn rates look like: 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) 1 point per $1 spent on all other purchases Those are some pretty impressive earn rates, covering a few common categories. But the big question – what can you use your points for? Here's a summary of your different redemption options and their estimated valued. Most flexible rewards programs see a big drop in value after travel redemptions, but not here. You'll maintain a high value for your points no matter what option you pick. How does this translate into annual rewards? If you go with travel, you'll get an average return of 2.86%, based on a typical $2,000 monthly spend. But even with cash, you still an average return of 2.37% – which compares quite favourably to the best cash back credit cards in Canada. And if you do decide to redeem for cash, you have a few ways you can get it back. Your choices include: cheque, statement credit, and direct deposit into a bank account. That's more options than most cash back credit cards offer. All together, this credit card provides excellent rewards. 3 benefits to the MBNA Rewards World Elite Mastercard There are plenty of other goodies available with the MBNA Rewards World Elite Mastercard. Here are 3 big things to really like. 1. Annual birthday bonus There's a sweet reward for you on your birthday with this card. You'll get a birthday bonus – an extra 10% in points, based on what you've earned over the last year. A pretty sweet reward. It is capped at 15,000 points, but that's a pretty sweet treat for having the card. 2. Terrific insurance The insurance package is incredibly good, offering 12 types. And while there are credit cards that offer more types, this one includes a couple of rare ones. The first one is price protection insurance . With any purchase you make, if you find the same item at a lower price within 60 days of your purchase, you can get a refund on the difference. You'll never have to worry about getting the best price for any semi-major purchase again. Just note, you're only eligible for a max refund of $500 per item and it's limited to $1,000 in claims per year. The other is mobile device insurance . This insurance protects your phone – that one device you take everywhere. If it accidently breaks, or gets stolen, you'll be covered, up to a certain amount. This is the advantage of mobile device insurance. 3. Superb welcome bonus The welcome bonus is also pretty good. You'll earn 30,000 bonus points after spending $2,000 in the first 90 days and signing up for paperless e-statements. Those points are worth $300 when redeemed for travel, or $249 when redeemed for cash. 2 downsides to the MBNA Rewards World Elite Mastercard It's not an entirely perfect card. Here are 2 things to keep in mind. 1. High income requirements The income requirements are quite high. You'll need either a personal income of $80,000 or a household income of $150,000 to qualify. With that said, this is on par with other World Elite Mastercards, but still higher than comparable Visa Infinite cards. 2. No first year free offer Many premium credit cards come with an annual fee waiver for the first year, as a way to try it out without putting money down. But not here – the MBNA Rewards World Elite Mastercard will cost you $120 for the first year. Comparison to the MBNA Rewards Platinum Plus Mastercard MBNA offers a no fee rewards card – the MBNA Rewards Platinum Plus ® Mastercard ® . Here's how these 2 credit cards compare. MBNA Rewards World Elite Mastercard MBNA Rewards Platinum Plus Welcome bonus Up to 30,000 points ( terms ) Up to 10,000 points ( terms ) Annual fee $120 $0 Rewards * 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) * 1 point per $1 spent on all other purchases * 2 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $10,000 spent annually per category) * 1 point per $1 spent on all other purchases Insurance Coverage 12 types 3 types Income Requirements * Personal: $80,000 * Household: $150,000 None There's more of everything with the World Elite version – more rewards, more insurance, and a bigger welcome bonus. But, that also comes with an annual fee and high income requirements as well. So is it worth it? We would say yes, but if you don't like paying annual fees, or don't spend much per month, the no fee card might be your better choice. One point to note about the no fee card – the cash value is much lower, it’s only worth 0.5 cents per point (the other redemption options are the same). One way to help decide if you're on the fence – use our Genius Rating. Head to our compare cards page , set your preferences and spending, see the scores of these cards, and let the higher score win. Leave a review These are our thoughts on the MBNA Rewards World Elite Mastercard, but what about you? If you have (or have had) the card in the past, leave us a user review so others can see what you thought of it. FAQ What does the MBNA Rewards World Elite Mastercard offer for rewards? The MBNA Rewards World Elite Mastercard earns up to 5 points per $1 spent on purchases. These rewards have a value of up to 1 cent per point, depending on the redemption option. What can MBNA Rewards points be used for? MBNA Rewards can be used for the following: travel, cash, merchandise, and gift cards. What are the annual fee and income requirements of the MBNA Rewards World Elite Mastercard? The MBNA Rewards World Elite Mastercard has an annual fee of $120 and income requirements of either $80,000 personal or $150,000 household. Key benefits 20,000 bonus points †† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening. 10,000 bonus points †† (approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point ‡ for every $1 on all other eligible purchases Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points. Redeem points ‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel. Standard Annual Interest Rates of 21.99% on purchases, 22.99% on balance transfers ✪ , and 22.99% on cash advances. Mobile Device Insurance *** . With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one). Show more... Offer Terms ††, ‡, ✪, ***, ††††, Terms and Conditions apply. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. This offer is not available for residents of Quebec. For residents of Quebec, please click here. User review s 3.3 out of 5 Reviewed by 81 Canadian s Add Review 5 stars 26% 4 stars 31% 3 stars 6% 2 stars 19% 1 stars 19% Add Review Do you own this card? I have it I canned it × How good is this card overall? × Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login Bradley Weldon a month ago 1 I got this card a few weeks before a trip to Europe, as a backup in case I had issues with international purchases. It was terrible. MBNA locked the card after the first few charges. After many hours on hold over several calls the said they could not unlock it until they had more information from me as it had flagged for fraud based on the international purchases. It’s a “world elite” travel card!!! After my third time on hold for hours I told them to cancel it, and told them they had provided me with easily the worst customer service I’d ever received from a financial institution. Run away. Rick D a month ago 1 Best Card I've ever had. The rewards on it are unreal. Probably $1000 (in gift cards) in rewards in 8 months so far. I don't even use it for gas because I drive an electric car. Rachy a month ago 1 I do enjoy the Rewards with this card. I think it will be a better credit card for rewards than my last card. There were some annoyances. It is hard to get this into Apple Wallet, you have to call them to get them to add it. Activating is a pain too, for us we also had to call them. Once we got past the initiation it has been great. Oh one more thing, it seems like this card holds onto holds longer (gas stations, hotels, etc...). Maybe that isn't a thing but it seems like it. Nick Tang a month ago 1 I reached out to provide feedback suggesting they add support for Samsung Wallet and Google Wallet and I’m so happy to see they actually listened! It’s great to see a company that truly values user feedback and takes action on it. The new wallet support works flawlessly and makes things so much more convenient. Big thanks to the team for listening to their users and continuously improving the experience! Greg K Natale 2 months ago 2 Great Rewards value terrible card. Doesn't work at most places. need to insert tap not working. the app is among the worst ive seen. Blocks random purchases, and locked me out of my account. the reward system is great the pain of how i cant rely on apple pay makes this card really bad. Dont get fooled stay far away from this "ancient" company! 1 2 3 4 5 6 7 8 9 10 Pairs well with... GC: $20 MBNA True Line ® Mastercard ® 0% on balance transfers for 12 months (3% fee) + No annual fee. * Scotiabank Value Visa Card Low permanent interest rates of 13.99% + First year free. * CIBC Select Visa * Card 0% on balance transfers for 10 months + First year fee rebate. * BMO Preferred Rate Mastercard ® * 0.99% on balance transfers for 9 months + Very low interest rates. * MBNA True Line ® Gold Mastercard ® Low interest rates of 10.99% + Low annual fee. * GC: $120 Tangerine ® Money-Back World Mastercard ® * $120 bonus cash back * + No annual fee. * RBC ® Visa ‡ Classic Low Rate Option Low permanent interest rates of 12.99% + Low annual fee. * TD Low Rate Visa * Card 0% promotional rate on new purchases for the first 6 months. * GC: $20 BMO AIR MILES ® † Mastercard ® * Up to 1,200 2,500 bonus AIR MILES + 3x the AIR MILES at partners. * GC: $20 BMO CashBack ® Mastercard ® * Up to 5% cash back + No annual fee. * About creditcardGenius creditcardGenius is a smart credit card matchmaker that compares 126+ features of 227+ credit cards, with objective ratings, rankings and reviews. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 200,000 people every month, 50,000 newsletter subscribers, and 15M people since launch. Read more about creditcardGenius About creditcardGenius About creditcardGenius Team The creditcardGenius team of writers is dedicated to bringing factual, helpful, and thorough information to Canadian consumers. Each piece of content goes through a 3-step review process because quality is important to us. Read more about creditcardGenius Team About creditcardGenius Team Rating Methodology The most comprehensive credit card rating system in Canada. Featured In The Genius Is You. Get hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Only legit stuff gets sent. And it only takes one click to unsubscribe - so give it a try. Have a second? Let us know how we can make your experience better. Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Latest Updates $175 GeniusCash + 0.5% extra cash back Up to 100,000 welcome bonus points 4 free lounge passes worth up to $200 First-year annual fee waived * What is Flexiti? Do You Lose Your Points If You Cancel Your Credit Card? $1,000 Christmas Giveaway Canada 2025 $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . *