MBNA Rewards World Elite^® Mastercard^® (QC)

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

$200^◊

Welcome bonus

20,000 points

$686^◊
Annual rewards
GC Ends: Oct 31, 2025

Find your top card|Read our disclosure

GC: $125 + $25

MBNA Rewards World Elite® Mastercard® (QC)

I Want This Deal Add to wallet

Credit estimate:

(725 - 759)

Instant approval: Yes

MBNA Rewards World Elite^® Mastercard^® (QC)

GC: $125 + $25

4.8 Genius Rating

3.0 (2) User reviews

I Want This Deal Add to wallet

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

$200^◊

Welcome bonus

20,000 points

$686^◊
Annual rewards
GC Ends:
Oct 31, 2025

Credit estimate:

(725 - 759)

Instant approval: Yes

Find your top card |Read our disclosure

Monthly Spending:

View Breakdown

Pros & cons

Pros

Up to 20,000 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

$125 GeniusCash offer + $25 limited time boost!

On approval, receive $150 GeniusCash on us when you apply for MBNA Rewards World Elite Mastercard (QC) using this offer page.

GeniusCash offer expires on Oct 31, 2025.

$125

$25

Getting your welcome bonus

Based on $2,000 in monthly spending, you can get up to 20,000 points which translates to an estimated $200.^◊

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 (QC), 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 (QC) 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.

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

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.

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

Merchandise

Assortment of merchandise

Statement Credit/Direct Deposit (World Elite)

Statement credit or direct deposit to a chequing account

Statement Credit/Direct Deposit (Platinum Plus)

Statement credit or direct deposit to a chequing account

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

Fees

Annual Fee: $120.00
Extra Card Fee: $50
Card type: Credit

Interest rates

Purchase: 21.99%
Cash Advance: 21.99%
Balance Transfer: 21.99%

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 (QC)'s 4.8 Genius Rating is based on the weighted average of the following scores:

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.

Key benefits

Receive 15,000 bonus points^†† ($125 in cash back value) after your first eligible purchase within the first 90 days of account opening
Receive 5,000 bonus points^†† once enrolled for 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 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 brand-name merchandise, gift cards from participating retailers, cash back, charitable donations, and travel.
Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers^✪, and 21.99% 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).

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 only available to residents of Quebec. For residents of other provinces/territories, please click here.

User reviews

3.0 out of 5

Reviewed by 2 Canadians

5 stars

4 stars

3 stars

100%

2 stars

1 stars

Alexandre V. a year ago

On paper it looks great, and I will submit an update later on how it actually went.

Apple Pay setup, you need to call them to do the verification.

The iOS app is bare minimum, no notifications, no Face ID, nothing modern about it. You can only get text messages when a transaction happens.

Cesar a year ago

Its good its just that there is no any way travel like td. The travel links are priced higher then booking.

GC: $135

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Province:

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.

MBNA Rewards World Elite^® Mastercard^® (QC)

MBNA Rewards World Elite^® Mastercard^® (QC)

Pros & cons

Pros

Cons

Your rewards