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2026's Best MBNA Credit Cards
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MBNA
MBNA, headquartered in Ottawa, is a part of The Toronto-Dominion Bank and is one of Canada’s leading co-branded and affinity credit card providers. MBNA offers Canadians a selection of great credit cards to choose from, making it easy for you to pick the best credit card for your lifestyle.
When it comes to credit cards, MBNA may not be a brand that sticks out, but they have an incredible portfolio of cards. They’ll have something that meets your needs, from no fee to balance transfer cards, travel rewards to cash back and more. If you haven’t heard of MBNA, there’s a reason for it. They’re not splashy and aren’t trying to sell you on different products. They focus entirely on credit cards which is why some of their cards are so popular. TD acquired MBNA Canada back in 2011, so there’s no need to worry about the credibility of the company.
With more than a dozen credit cards from MBNA available, it can be hard to pick the right card for you. We’ve analyzed all of their cards and have figured out which are the best depending on your needs.
Best Credit Cards for 2026: Best Overall MBNA Card
With more than a dozen credit cards from MBNA available, it can be hard to pick the right card for you. We’ve analyzed all of their cards and have figured out which are the best depending on your needs.
| First-year value* | Annual fee | Top features | |
|---|---|---|---|
| $100 | $0 | No fee and a low interest rate. | |
| $924 | $120 | Earn 2 points per $1 spent on all purchases. | |
| $396 | $39 | Get 2% cash back on gas and grocery purchases. | |
| $545 | $0 | Earn at least one point per dollar everywhere you shop. |
*The Rates.ca Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.
Best Overall MBNA Credit Card: MBNA True Line® Mastercard®
Although the MBNA True Line® Mastercard® doesn’t offer any rewards, it’s the best overall MBNA credit card since it has a low interest rate and no annual fee.
This card is great for people looking to reduce their debt and pay less interest. The card features a standard annual interest rate of 12.99% on purchases and 17.99% on balance transfers. A balance transfer fee of 1% of the amount transferred does apply (minimum fee of $7.50). However, it’s worth considering this option as most credit cards have interest rates of 20.99%, considerably higher than this card.
Not getting any rewards will be disappointing to some people, but if you’re finding it difficult to make your payments or you want to reduce your debt, then the MBNA True Line® Mastercard® should be one of the first credit cards you research.
Best MBNA Travel Credit Card: MBNA Rewards World Elite® Mastercard®
Some credit cards make earning reward points complicated by offering more points for specific categories and fewer points for others. With the MBNA Rewards World Elite® Mastercard®, you can earn two points for every $1 spent on all purchases — simple and straightforward. This type of card is great for people who prefer a credit card that’s easy to understand and comes packed with benefits.
Best MBNA Rewards Card: MBNA Rewards Platinum Plus® Mastercard®
Apply for the MBNA Rewards Platinum Plus® Mastercard® and get 5,000 bonus points after you make $500 or more in eligible purchases within the first 90 days of your account opening as part of your welcome bonus. In addition, earn rewards for evert $1 spent on groceries, restaurants, memberships, digital media and other purchases.
According to our Best of Finance methodology, the average Canadian will earn up to $545 within the first year.
*Rates, product information, and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. Rates.ca may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of Rates.ca; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand’s website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, January 28, 2026. Read our full disclaimer.
MBNA credit card rewards
The MBNA credit card rewards program allows you to earn, save and redeem rewards points for great rewards such as:
- Travel rewards: You can utilize your MBNA rewards points for amazing travel rewards such as hotel stays, flights and car rentals, helping you save money when travelling.
- Gift cards and merchandise rewards: Check out the MBNA Rewards catalogue to redeem your points for a variety of gift cards and merchandise. From home appliances to phones and tech accessories, the MBNA Rewards catalogue has something for everyone!
- Cash back rewards: Redeem your MBNA reward points and apply them directly to your credit card balance. You can also choose to redeem for cash by cheque, a deposit to a chequing or savings account, or a donation to a charity of your choice.
MBNA credit cards are widely accepted around the globe, making them excellent for travelling. Use your credit card to pay for every purchase, tracking and managing each transaction safely. Every MBNA credit card is Chip & PIN enabled, helping secure all your purchases. You will also receive fraud alerts if your card information is misused.
Depending on which MBNA credit card you have, you’ll be covered by one of the following security policies:
- Mastercard Zero Liability: As an MBNA Mastercard credit cardholder, you won’t be responsible for any unauthorized purchases made through your card in a store, over the telephone or online.
- Visa Zero Liability: Safely use your MBNA Visa credit card anywhere – whether it’s for online payments or in-store purchases – you are protected from unauthorized use of your MBNA Visa credit card by the Visa Zero Liability policy.
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