Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Interest Rates
Cash Advance: 24.99%
Purchase: 19.99%
Balance Transfer: 22.99%
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score
Good
Welcome Bonus
Earn 5% Cash Back on gas and groceries for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)
Card Type
Category: Cash Back
Loyalty Program: MBNA Rewards
Our Rating
2.6/5
Institution
MBNA
Rewards
- 2% cash back on eligible gas station and grocery purchases (up to $500 spent per month combined)
- 0.5% cash back on all eligible purchases
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
yes
Car Rental Accident
$200,000.svg)
Car Rental Personal Effects
$1,000
Travel Accident
$1,000,000
Trip Interruption
$2,000
Benefits
Details
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
Support for emergency cash transfer, lost document and ticket replacement, lost baggage assistance, pre-trip information and legal assistance while traveling
Pros & Cons
Pros
- 5% cash back on gas and groceries: Earn 5% cash back on gas and groceries for the first 6 months (up to $500 spent per month).
- 2% ongoing cash back on gas and groceries: After the introductory period, continue earning 2% cash back on gas and groceries, up to $500 in combined monthly spend.
- Comprehensive insurance: Includes 7 types of insurance, including rental car insurance.
- No annual fee: Enjoy rewards without paying a fee.
Cons
- Low cash back on other purchases: Only 0.5% cash back on non-gas and grocery purchases.
- Cap on gas and grocery rewards: The 2% cash back on gas and groceries is limited to $500 in monthly spend.