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Who is this card great for?

Those who want our lowest standard interest rate on Purchases.

Those who want the flexibility to redeem rewards for travel, gift cards, and more.

Those who want the flexibility to redeem rewards for travel, cash back, and more

Those who want a no annual fee Cash Back card that will reward you for common Purchases like gas and groceries.

Those who want a Cash Back card that gives them more for common Purchases like gas and groceries.

Frequent Amazon shoppers

Travelers who want to earn Alaska Airlines® perks and rewards, including a complimentary checked bagæ.

Travelers who want to earn Alaska Airlines® perks and rewards.

Those who travel and want to earn points towards Best Western hotel stays and Purchases.

Those who love Harley-Davidson® and want the chance to win a Harley-Davidson® motorcycle˄ with every eligible Purchase on their card.

Those who love shopping at Melaleuca and earning rewards.

Welcome Offer

You could save on interest with a 10.99% interest rate on purchases - our lowest rate credit card available to Quebec residents.

Welcome offer: Earn up to 10,000 bonus MBNA Rewards Points†† for cash back, gift cards and more. Conditions Apply.

Welcome offer: Earn up to 20,000 bonus MBNA Rewards Points†† for cash back, gift cards and more. Conditions Apply.

Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months†† (up to $150 in Cash Back)

Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months†† (up to $150 in Cash Back)

Welcome Offer:

Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants††.

Earn Miles on all eligible purchases

Earn Miles on all eligible purchases

Welcome offer: Earn 20,000 Best Western Rewards® points†† with your first eligible purchase - enough for a night’s stay!

Earn 1 Harley-Davidson® Genuine Rewards Point for every $2 you spend on eligible purchases

Welcome Bonus: Earn 100 Bonus Loyalty Shopping Dollars†† after your first eligible purchase within 90 days of account opening.

Annual Fee

$39

$0

$120/$50 $0

$39

$0 $99 $75 $0 $0 $0

Additional Card Annual Fee

$0. Up to 9 additional cards available for authorized user

$50. Up to 9 additional cards available for authorized user $0. Up to 9 additional cards available for authorized user

$0. Up to 9 additional cards available for authorized user

$0. Up to 9 additional cards available for authorized user $0. Up to 9 additional cards available for authorized user $0. Up to 9 additional cards available for authorized users $0. Up to 9 additional cards available for authorized user $0. Up to 9 additional cards available for authorized user $0. Up to 9 additional cards available for authorized users

Reward Type

MBNA Rewards MBNA Rewards N/A Cash Back Amazon.ca Rewards Alaska Airlines® Miles Alaska Airlines® Miles Best Western Rewards® Harley-Davidson® Genuine Rewards Melaleuca Loyalty Shopping Dollars

Interest Rate on Purchases

10.99%

20.99%

20.99% 20.99%

20.99%

19.99% 19.99% 19.99% 19.99% 19.99% 19.99%

Interest Rate on Balance Transfers

13.99%

20.99%

20.99% 20.99%

20.99%

20.99% 20.99% 20.99% 20.99% 20.99% 20.99%

Interest Rate on Cash Advances

20.99%

20.99%

20.99% 20.99%

20.99%

20.99% 20.99% 20.99% 20.99% 20.99% 20.99%

Eligibility

You are a Canadian resident and are of the age of majority in your province/territory of residence
  • Open to Canadian residents who are of the age of majority in their province/territory of residence.
Open to Canadian residents who are of the age of majority in their province/territory of residence. Your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††.

Open to Canadian residents who are of the age of majority in their province/territory of residence.

Your personal annual income must be greater than $50,000, or your household annual income must be $80,000 or greater††††

Open to Canadian residents who are of the age of majority in their province/territory of residence.

  • Open to Canadian residents who are of the age of majority in your province/territory of residence. Your Personal annual income must be greater than $80,000, or household annual income must be $150,000 or greater††††
Open to Canadian residents who are of the age of majority in your province/territory of residence No minimum personal or household income required

Open to Canadian residents who are of the age of majority in their province/territory of residence.

Open to Canadian residents who are of the age of majority in their province/territory of residence.
  • Open to Canadian residents who are of the age of majority in their province/territory of residence.

Features

  • Enjoy our lowest standard interest rate on Purchases with a low Annual Fee
  • Purchase Assurance: Covers against theft of or damage to covered personal property items purchased by you. If such item is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price (not including taxes).**
  • Extended Warranty Benefits: Includes extended product warranty on eligible Purchases for an additional year**
    Legal
  • 5,000 bonus points†† ($25 in cash back value) after your first eligible purchase within the first 90 days of account opening and 5,000 bonus points†† ($25 in cash back value) once enrolled for e-statements within the first 90 days of account opening
  • Earn 2 points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually in the applicable category
  • Earn points every day: get 1 point for every dollar spent 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 the primary cardholder's birthday, to a maximum Birthday Bonus each year of 10,000 Points
  • 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.
    Legal
  • 15,000 bonus points†† ($125 in cash back value) after your first eligible purchase within the first 90 days of account opening and 5,000 bonus points†† (approximately $40 in cash back value) 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 the account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.
  • Flexible rewards: Redeem points for brand-name merchandise, gift cards from participating retailers, cash back, charitable donations, and travel.  
    Legal
  • Earn 2% on gas and groceries after first 6 months ($500 monthly spend cap)
  • Get 0.5% Cash Back on all other eligible Purchases
  • Purchase Assurance: Covers against theft of or damage to covered personal property items purchased by you. If such item is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price (not including taxes).**
  • Extended Warranty Benefits: Includes extended product warranty on eligible Purchases for an additional year**
    Legal
  • Earn 2% on gas and groceries after first 6 months ($500 monthly spend cap)
  • Earn 1% on all other eligible Purchases
  • Car Rental Vehicle Collision Damage Waiver Benefits**
  • Car Rental Vehicle Accidental Death & Dismemberment Benefits**
  • Purchase Assurance: Covers against theft of or damage to covered personal property items purchased by you. If such item is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price (not including taxes).**
  • Extended Warranty Benefits: Includes extended product warranty on eligible Purchases for an additional year**
    Legal
  • Earn rewards on all your eligible purchases at Amazon.ca—including Whole Foods Market stores in Canada
  • Get 1% back on ALL other eligible purchases, wherever Mastercard is accepted
    Legal
  • Earn 3 Miles on every $1 you spend on eligible Alaska Airlines® purchases like tickets, vacation packages, and cargo services
  • Earn 1 Mile per $1 on all other eligible Purchases
  • Get Alaska’s Famous Companion Fare™◊◊ every year on your account anniversary for a $99 ($121 USD incl. fees and taxes) round trip with Alaska Airlines®
  • Get a complimentary checked bag on qualifying reservationsæ, additional price protection on fares while earning Miles on eligible Purchases toward flights and rewards
  • Complimentary Concierge service for booking air travel, dinner reservations, seats to concerts, and more
  • Car Rental Vehicle Collision Damage Waiver Benefits**
  • Purchase Assurance: Covers against theft of or damage to covered personal property items purchased by you. If such item is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price (not including taxes).**
  • Extended Warranty Benefits: Includes extended product warranty on eligible Purchases for an additional year**
    Legal
  • Earn 3 Miles on every $1 you spend on eligible Alaska Airlines® purchases like tickets, vacation packages, and cargo services
  • Earn 1 Mile per $1 on all other eligible Purchases
  •  Get Alaska’s Famous Companion Fare™◊◊ every year on your account anniversary for a $121(USD) ($99 plus taxes and fees from $22) round trip with Alaska Airlines®
  •  Travel perks: you could use Miles you earn on eligible Purchases on Alaska Airlines flights
  • Purchase Assurance: Covers against theft of or damage to covered personal property items purchased by you. If such item is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price (not including taxes).**
  • Extended Warranty Benefits: Includes extended product warranty on eligible Purchases for an additional year**
    Legal
  • Earn 5 points for every dollar spent on eligible Purchases at a Best Western Property and 1 point for every dollar on all other eligible Purchases
  • Car Rental Vehicle Collision Damage Waiver Benefits**
  • Purchase Assurance: Covers against theft of or damage to covered personal property items purchased by you. If such item is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price (not including taxes).**
  • Extended Warranty Benefits: Includes extended product warranty on eligible Purchases for an additional year**
    Legal
  • Earn 1 Harley-Davidson® Genuine Rewards Point for every $2 of eligible Purchases
  • Redeem points for Harley Chrome® Cash that can be used for MotorClothes® apparel, Genuine Motor accessories, services and more
  • Every eligible Purchase on your card enters you in a chance to win a Harley-Davidson® motorcycle˄
  • Car Rental Vehicle Collision Damage Waiver Benefits**
  • Purchase Assurance: Covers against theft of or damage to covered personal property items purchased by you. If such item is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price (not including taxes)**.
  • Extended Warranty Benefits: Includes extended product warranty on eligible Purchases for an additional year**
    Legal
  • Get 1% of every eligible Purchase back in Loyalty Shopping Dollars
  • Purchase Assurance: Covers against theft of or damage to covered personal property items purchased by you. If such item is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price (not including taxes).**
  • Extended Warranty Benefits: Includes extended product warranty on eligible Purchases for an additional year**
    Legal