MBNA
积分卡
Mastercard
MBNA Rewards Platinum Plus Mastercard
MBNA 奖励白金 Plus 卡 · 日常消费全返 4 倍积分
4x
餐饮
$0年费
10,000 分
开卡奖励
积分倍率
🍜 餐饮First 90 days only; 2 points per dollar thereafter🛒 买菜First 90 days only; 2 points per dollar thereafter🎬 娱乐Digital media; first 90 days only; 2 points per dollar thereafter4x
每年前 $10,000 消费适用,超出后按基础倍率计
🍜 餐饮Regular rate after first 90 days🛒 买菜Regular rate after first 90 days🎬 娱乐Digital media; regular rate after first 90 days2x
每年前 $10,000 消费适用,超出后按基础倍率计
其他所有消费1x
利率与费用
购物年利率21.99%
取现年利率22.99%
全额还款不产生利息;利率以银行官网与账单为准
保险与权益
手机保险Up to $1,000 coverage for eligible mobile devices in event of loss, theft, accidental damage or mechanical breakdown.
购物保障Coverage on eligible items stolen or damaged within first 90 days from purchase; lifetime total accumulative limit of $60,000 per account.
延长保修Doubles written manufacturer's warranties valid in Canada for up to one additional year on eligible new purchases.
保险的具体条款与免责以银行的保险证明文件为准
🎁 开卡促销 · 银行英文原文
开卡后 90 天内消费满 $500，送 5,000 奖励积分（价值 $25 返现）
“5,000 bonus points †† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening and 5,000 bonus points †† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.”
“after you make $500 or more in eligible purchases within the first 90 days of your account opening”
“within the first 90 days of your account opening”
来源:mbna.ca · 核对于 2026-08-26
💡 SaveVia 解读
这张卡适合日常消费较多的朋友，吃饭、买菜、娱乐和所有其他消费都能赚积分。每年前 $10000 消费可享 4 倍积分，超出部分降为 2 倍，再超出则只有 1 倍。年费 $0，完全免费持有。开卡礼有 5000 积分，但需在 90 天内消费满 $500 才能拿到。
常被拿来比较
MBNA 奖励世界精英万事达卡
MBNA Rewards World Elite Mastercard · 年费 $120
5x
最高积分
BMO 蓝宝世界精英万事达卡
BMO Blue Rewards World Elite Mastercard · 年费 $150
10x
最高积分
数据核对于 2026-08-26 · 一切以银行官网为准