Application Form



Electronic Documents Consent


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The following summary information applies to the MBNA credit card account, is current as of May 2021 and is subject to change. These interest rates are in effect on the date your credit card account is opened (whether or not your card is activated). You will receive the full Account Agreement if your application is approved.
Annual Interest Rate
Standard Rates:
Purchases: 19.99%
Balance transfers and access cheques: 22.99%
Cash advances: 24.99%


Defa ult Rates:
If your Minimum Payment is late twice within any [12]  consecutive Statement Periods (the "change event"), the Standard Rate(s) that apply to your account at that time will increase [5]%  to a maximum of 29.99% . The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event.
If you then pay each Minimum Payment on time for [12]  consecutive Statement Periods ("cure period"), the Standard Rate(s) that apply to your account at that time will decrease back to the previous Standard Rate(s) prior to the rate increase on the first day of the first Statement Period that occurs after the cure period.
Interest-free Grace Period
You will not be charged interest on each new purchase for a minimum grace period of 21  days if you pay the New Balance in full by the Due Date for the account statement on which such new purchase first appears. You will always be charged interest on cash advances, balance transfers and access cheques from the date such transactions occur.
Minimum Payment
Your Minimum Payment will be the sum of: (1) $10.00 ; plus  (2) all new interest charges; plus  (3) any fees; plus  (4) any past due Minimum Payment amounts; plus  (5) any amount that exceeds your credit limit. If your New Balance is less than $10 , the Minimum Payment will equal the New Balance.
Foreign Currency Conversion
All transactions and payments made in a foreign currency will be converted to Canadian dollars. Transactions will be converted at a rate equivalent to the benchmark rate set by the payment card network under which your card is issued in effect on the date that we process the transaction, plus an amount equal to 2.5%  of the transaction amount after it has been converted. Payments will be converted into Canadian dollars at a rate equivalent to the Bank of Canada rate reported at the close of business on the day immediately preceding the date that we process the payment, plus an amount equal to 2.5%  of the foreign currency payment amount.
Annual Fees
There is no annual fee.
Other Fees
To be charged on the day the transaction, event, or request occurs as applicable, unless otherwise indicated below (see also your Account Agreement for more information):
Trans action Fees:
Cash advances:
Automated teller machine ("ATM"): 1.00%  of amount advanced (minimum fee $7.50 )
Over-the-counter cash ("OTC"): 1.00%  of amount advanced (minimum fee $7.50 )
Cash equivalents: 1.00%  of amount advanced (minimum fee $7.50 )
Balance transfers and access cheques:
Balance transfers (including transfers of funds to a bank account):
At Standard Rates
At Promotional Rate(s) we may offer on your account
1.00% of amount advanced
3% of amount advanced


We may offer and disclose a lower promotional rate balance transfer fee at the time we make an offer to you. In all cases, the balance transfer fee is a minimum fee of $7.50  per balance transfer transaction.
Access cheques: 1.00%  of amount advanced (minimum fee $7.50 )

Account Fees:  
Over the credit limit (to be charged on the Statement Closing Date): $29.00  per Statement Period
Returned payment: $20.00  per occurrence
Extra copy of account statement or sales draft $2.50  
RAC Fees:  
Returned access cheque: $20.00  per occurrence

Apply for the Card

Please provide all the required information below

It's quick and easy to apply! You could get an instant response in less than 2 minutes.

Before you begin this application, please confirm that you can say yes to the following:

  • You are a Canadian resident
  • You are of the age of majority in your province or territory of residence

*required

Primary Applicant's Information

Are you a Canadian resident?*
Why do we ask for this?

You must be a permanent resident of Canada to apply for one of our credit card accounts online.





(Complete name; do not use nicknames or initials)

Click here to enter address manually. (Physical address, no P.O boxes)

(Example: A3A 3A3)



$

(Physical address, no P.O. boxes)


(Example: A3A 3A3)
Is your mailing address different from your home address? * How are they different?
 


(Physical address, no P.O. boxes)



(Example: A3A 3A3)

Enter at least one phone number*
Mobilein format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555)

Homein format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555)

Personal Information


Social insurance number  (optional) in format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555) Why do we ask for this?
(example: 123-456-789)
Date of birth *
(Example: YYYY/MM/DD)



Employment Information







Work phone number * in format: Area Code - 1st 3 Digits - Last 4 Digits (555-555-5555)
(Example: 555-555-5555)
Your income * $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*

Your income $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*
Your income $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*
Your income * $
(Gross salary/pension before taxes)
Other / spousal income** $
(Gross salary before taxes)
*





Work phone number *
(example: 555-555-5555)
Your income * $
(Gross salary before taxes)
Other / spousal income**
$
(Gross salary before taxes)
*

Living in residence or away from home? Please ensure you’ve provided us with your current address and phone number in the Primary Applicant's Information section of this application.






Are you currently employed? *


Your income * $
(Gross salary before taxes)
Do you have other / spousal income? * What can I include?
Other / spousal income * $
(Gross salary before taxes)
*
Your income $
(Gross salary before taxes)
Other / spousal income** $
(Gross salary before taxes)
*
Total annual household income * $ Why do we ask for this?

** Income from alimony, child support or separate maintenance payment need not be revealed if you don’t wish us to consider it as a basis for payment.

Add Authorized User

Unleash the purchasing power of your credit card.

Adding an Authorized User is quick and easy, at no additional fee.

Authorized User Cards are a great way to extend the benefits and purchasing power of your MBNA credit card account to your spouse, a family member, or a close friend.

If your application is approved, you as the Primary Cardholder, will be solely responsible for all charges to the account, including charges made by the Authorized User.

Learn More


Add an Authorized User? *
Yes No

Tell us about the Authorized User you’re adding to your Credit Card.

You agree that you are providing the information about the Authorized User with their consent for the purpose of issuing Card(s), renewals and replacements to them.


(Complete name; do not use nicknames or initials)

Date of birth *
(Example: YYYY/MM/DD)
Primary phone number * Primary phone number (Example: 555-555-5555)
Does the Authorized User have a different home address than you? *
Yes No

For security, the Authorized User's card will be sent to your mailing address.

(Physical address, no PO boxes)

(Example: A3A 3A3)

Request a Balance Transfer



A Transfer to Credit Card moves available credit from your MBNA credit card to pay down the balance of other credit cards, which could make it easier to manage your finances.

Learn More

Interest rate

22.99%

Transaction fee
minimum 7.5
Conditions apply†

1.0%



Request a Transfer to Credit Card


Credit card details
Amount
Transaction Fee
Warning

You’ve reached the transfer limit of 3 credit cards.

Balance Transfers are subject to the applicable balance transfer interest rate and terms that are set out in the Terms and Conditions of your credit card application. There is no grace period on Balance Transfers. Interest will begin to accrue from the applicable transaction date. The transaction date is the date the transaction is processed. If you are using a Balance Transfer to pay off the balance of another credit card, you should continue to make your monthly payments to other creditor(s) until the Balance Transfer appears as a credit on that account.

If the total value of the Balance Transfers exceeds your approved authorized credit limit, Balance Transfers will be fulfilled in the order listed on the application form and any Balance Transfers that exceed your credit limit will be cancelled.

Enroll in Payment Protection Plan


Learn about your optional MBNA® Credit Card Payment Protection Plan coverage(opens new window)
Summary/Fact Sheet for Quebec Residents (PDF)(opens new window)
Payment Protection Plan Certificate of Insurance (PDF)(opens new window)