MBNA Canada Credit Cards Review

CAA Quebec MasterCard Credit Card

The CAA-Quebec MasterCard allows its card holder the ability to earn CAA-Quebec membership by using this credit card to make routine retail purchases. Once the CAA-Quebec membership is earned, card holders can then accumulate CAA-Quebec Dollars which can be used to create discounts. These discounts apply to both services and products offered by CAA-Quebec.

Once membership has been earned, then a 0.5 percent of CAA-Quebec Dollars is offered as a rebate on any retail purchase. The card holder only needs to use this card to make the purchase.

The CAA-Quebec Mastercard has a business relationship established with Couche-Tard outlets. When a card holder uses this particular credit card at these outlets, the card holder will be entitled to a rebate of two percent. When coupled with the above rebate, the total rebate comes to 2.5%. Additionally, card holders who show their CAA-Quebec membership cards at these outlets will receive back a rebate of two cents per litre of gasoline, and a rebate of three percent on any other purchases. (Some restrictions and conditions do apply.)

By way of comparison to other available cards, the CAA-Quebec MasterCard has no annual fee, touts a low introductory interest rate, and offers a high credit line. The card also comes with 24-hour customer service, has emergency card replacement, and provides around-the-clock fraud protection. Card holders are also benefited with cash access at over 430,000 ABMs, and most major banks take card payments.

MBNA PremierRewards Platinum Plus MasterCard

The MBNA PremierRewards Platinum Plus MasterCard is a card which serves as a cash-back vehicle. MBNA clients who use this card when shopping during the first 6 months of ownership receive 5 percent cash back on grocery and gas station purchases. After that point, card holders receive 3 percent back on these types of purchases, and 1 percent back on all other types of purchases. A card holder’s account is credited back in January.

This card has no annual fee, and has neither earning nor spending limits. The standard interest rate for the PremierRewards Platinum Plus MasterCard is 19.99 percent on cash advances and balance transfers, and 17.99 percent on purchases. An introductory rate of 1.99 percent is available for the first 10 months, although only for balance transfers and cheque cash advances. Should two or more late payments occur over twelve consecutive billing cycles, then the interest rate increases by 5 percent. Also note that the grace period has a cycle of 21 days, and $15 is the monthly minimum payment required.

The card also offers 1-hour turn around on credit line increases, up to $5,000 in emergency cash and cash transfers, lost luggage assistance, and legal advice. Auto Rental Collision Damage Waiver, Lost Document and Ticket Replacement, Balance Protection in case of illness, disability, or job loss, and Accidental Death & Dismemberment, in the amount of $200,000, are also available. Another benefit of the card is its Identity Protection service, which helps to monitor, manage, and protect valuable credit and identity information; this service costs $17.99 a month.

Best Western MasterCard Credit Card

MBNA Canada and Best Western International Hotels have combined forces to offer the Best Western MasterCard Credit Card, which is a hotel rewards credit card. This card can be used for international travel, with possible stays available in nearly eighty countries at over 4,000 Best Western hotels.

Card holders can earn Gold Crown Club (GCC) points for each transaction, and these points can then be redeemed at any Best Western location throughout the world. When a card holder uses this card for the first purchase, he or she will receive 5,000 bonus GCC points. A card holder will receive 1.5 GCC points for every $1 in purchases at retail outlets, which rivals other travel points credit cards. Another way to earn GCC points is with a cash advance transaction of $50 or more, when the card holder will receive 50 GCC points. And, when shopping at MBNA’s affiliated retail stores, card holders can also pick up extra GCC points when they use this credit card at point of purchase.

Benefits of this card include 24-hour customer service, and the ability to access cash at 430,000 plus ABMs worldwide.

This card has no annual fee. However, it does carry an interest rate of 19.99 percent on purchases, cash advances, and balance transfers. Please note that the Best Western MasterCard does not have an introductory discounted interest rate, and charges a 1 percent fee on balance transfers. The card has a grace period of 21 days.