Fees/APR in CAD; SUB in raw points or CAD; logged-out public offer, captured 2026-07-09
Bonus breakdown
spend bonus: 20,000 pts (spend $2,000)
Spend $2,000 · within 90 days
Earn rates
5× eligible restaurant, grocery, digital media, membership, and household utility purchases cap $50,000/annual
1× all other eligible purchases
What your points are worth
Cash / statement credit: 0.50¢ standard
Cash / statement credit: 0.83¢ world_elite
Flights (portal): 1.00¢ all
Program-published redemption rates for MBNA Rewards, captured 2026-07-09. Cents per point, per lane. A grid ceiling is the best case (you realize it only at the band's max fare); transfer-partner value is subjective and not shown.
Disclosure documents
cardholder agreement pdf · 2025-04-28
rates and fees pdf · 2025-05-06
rewards terms pdf · 2021-09-30
History
Tracked since 2026-07-09 (1 snapshot). As the archive grows, sign-up-bonus and fee changes appear here.