U of A MBNA Rewards


The following summary information applies to the MBNA credit card account, is current as of July 2019 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.

Eligibility Criteria

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

Electronic Documents Consent

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COMPLETE this quick AND secure application. It should ONLY take 5 - 10 minutes.

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U of A MBNA Rewards

To begin the application, please select an option:

Enter your information manually.
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Tell us about yourself

Primary Applicant's Information

Personal Information

Employment Information

Card Features

ID:CLDPRODBS2

Balance Transfer

You can transfer balances from up to 3 other credit cards. We will transfer the balance of these cards to your new MBNA credit card (subject to your approved credit limit). Transaction fee(s) may apply.

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Transit number 

Bank ID 

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Balance Transfer

Transfer balance from a personal chequing account.

Bank details can be found at the bottom of your personal cheque.

Bottom of cheque. Transit, second set of numbers. Bank ID third set of numbers. Account number, fourth set of numbers.
ID:CLDPRODBS2
CreditWise balance protection insurance

DISCLOSURE STATEMENT AND OTHER IMPORTANT INFORMATION ABOUT OPTIONAL MBNA ®  CREDITWISE ®  INSURANCE
Privacy: By providing us with your information, you agree that we may share your personal information with our world-wide affiliates and insurers. We and our insurers may collect, use and disclose your information as described in the MBNA Privacy and Personal Information Protection Notice (available at www.mbna.ca/privacy) to: identify you; provide you with ongoing service; help us serve you better; protect you and them from fraud and error; and comply with legal and regulatory requirements. You may call Assurant at 1-888-778-8023 with any questions relating to the use of your personal information and to obtain a copy of the Assurant privacy policy. The privacy policy is also available on the Assurant website (www.assurantsolutions.ca/privacy).
ENROLLMENT:  You are eligible for enrollment in optional MBNA CreditWise if you are a Primary Cardholder between the ages of 18 and 69 and a Canadian resident. Your coverage begins on the date your application is approved. Your Certificate of Insurance, which indicates your effective date of coverage, will explain all benefits and terms of coverage including exclusions and limitations, and will be mailed to you upon enrollment.  In the meantime, if you would like to retain this important information about optional MBNA CreditWise, please print prior to completing your application. If you choose to enroll, you have the option to cancel MBNA CreditWise at any time. If you cancel this coverage within 30 days of the Certificate of Insurance's delivery, any premiums you have paid will be refunded. If you have any questions regarding this insurance or wish to cancel it, please call Assurant at 1-800-340-4717. Note that there are other products on the market offering coverage similar to the CreditWise insurance plan. You may want to verify if you are already covered by such a product.
COST: $0.99 per $100 of your average daily balance per month, plus applicable taxes, to a maximum of $20,000. The cost for coverage will be charged to your credit card account.
Example:  An account with a $1,000 average daily balance would incur a cost for coverage of $1,000 x $0.99 per $100 = $9.90 plus applicable taxes.
SUMMARY OF BENEFITS, EXCLUSIONS AND LIMITATIONS 1  
Life Coverage: This coverage may pay a one-time benefit payment to your credit card account should you die. The lump sum payment is based on the amount owing on your credit card account as of your date of death, to a maximum of $30,000. Benefits are not payable in some situations. For example, we will not pay a Life benefit within 6 months of the effective date of coverage if death is due to intentionally self-inflicted injuries or suicide while sane or insane.
Accidental Death Coverage:  This coverage may pay a one-time benefit payment to your credit card account should you die as a result of an accident after your 70th birthday. This coverage replaces Life coverage when you turn 70. At age 70 all other coverages terminate and your monthly premium rate reduces to $0.59 per $100 of your balance as explained in the "Cost" section above. The lump sum payment is based on the amount owing on your credit card account as of your date of death, to a maximum of $30,000.
Accidental Dismemberment Coverage:  This coverage may pay a one-time benefit payment to your credit card account should you suffer a covered dismemberment directly due to accidental bodily injuries. The lump-sum benefit payment is based on the amount owing on your credit card account of as your date of loss, to a maximum of $30,000.
Critical Illness Coverage:  This coverage may pay a one-time benefit payment to your credit card account if you are diagnosed with a covered Critical Illness, such as heart attack, stroke, cancer, coma, coronary artery disease (refers only to bypass surgery), major organ transplant, multiple sclerosis, muscular dystrophy, paralysis, renal failure, Alzheimer's or total blindness. The lump sum benefit payment is based on the amount owing on your credit card account as of your date of diagnosis, to a maximum of $30,000. Benefits are not payable in some situations.  For example, if you are diagnosed with a Critical Illness which was diagnosed prior to the effective date of insurance and have not completed a period of at least 180 consecutive days free of all symptoms, medical treatment/services including taking drugs/medicine for such disease or condition.
Loss of Self-Employment Coverage:  This coverage may pay a monthly benefit payment to your credit card account if you experience a period of unemployment due to the forced closure of your business due to creditor induced bankruptcy and remain unemployed for more than 30 consecutive days. To be eligible, you must have been self-employed at least 25 hours per week for an active business that had been incorporated for a period of 24 consecutive months prior to the date of loss. Monthly benefit payments will be made and for the initial payment will be equal to the greater of 5% of the Eligible Balance 2  and the Minimum Payment 3  and for subsequent months will be equal to the greater of 5% of the Eligible Balance 2  and $10. Monthly benefit payments will be made for every month of unemployment until the Eligible Balance 2  has been paid, to a maximum of $30,000. Features include, payout of the remaining unpaid Eligible Balance 2  after 12 months of unemployment, a refund of your monthly premium while receiving benefit payments, and up to one additional monthly benefit payment if you return to work within 12 months. Benefits are not payable in some situations.  For example, if your Loss of Self-Employment is due to: voluntary forfeiture of salary, wages or income; closure of business due to willful misconduct or criminal misconduct; or bankruptcy within the first 12 months of the effective date.
Total Disability Coverage:  This coverage may pay a monthly benefit payment to your credit card account if you become totally disabled, and the disability lasts for more than 30 consecutive days. Monthly benefit payments will be made and for the initial payment will be equal to the greater of 5% of the Eligible Balance 2  and the Minimum Payment 3  and for subsequent months will be equal to the greater of 5% of the Eligible Balance 2  and $10. Monthly benefit payments will be made for every month of total disability until the Eligible Balance 2  has been paid, to a maximum of $30,000. Features include, payout of the remaining unpaid Eligible Balance 2  after 12 months of total disability, a refund of your monthly premium while receiving benefit payments, and up to one additional monthly benefit payment may be paid if you return to work within 12 months.
Involuntary Unemployment Coverage:  This coverage may pay a monthly benefit payment to your credit card account if you experience a period of Involuntary Unemployment, and remain unemployed for more than 30 consecutive days. You must have been employed at least 25 hours per week for at least 90 consecutive days prior to the date of loss for an employer other than yourself. Monthly benefit payments will be made and for the initial payment will be equal to the greater of 5% of the Eligible Balance 2  and the Minimum Payment 3  and for subsequent months will be equal to the greater of 5% of the Eligible Balance 2  and $10. Monthly benefit payments will be made for every month of unemployment until the Eligible Balance 2  has been paid, to a maximum of $30,000. Features include, payout of the remaining unpaid Eligible Balance 2  after 12 months of unemployment, a refund of your monthly premium while receiving benefit payments, and up to one additional monthly benefit payment may be paid if you return to work within 12 months. Benefits are not payable in some situations.  For example, if your Involuntary Unemployment is due to: retirement, voluntary forfeiture of salary, wages or income, or termination as the result of willful or criminal misconduct.
1. Details of the coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance.
2. Eligible Balance means the amount owing on your account as of the statement date coinciding with, or if not applicable, immediately before the date of loss.
3. Minimum Payment means payment due on your account as of the statement date coinciding with, or if not applicable, immediately before the date of loss.
General Provisions:
Underwriters:  Life, Accidental Death, Accidental Dismemberment and Critical Illness coverages are underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and Loss of Self-Employment, Total Disability and Involuntary Unemployment coverages are underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant® under policy forms WFR1 (9/05) R-1 and LUZ (9/05) R-1. ®Assurant is a registered trademark of Assurant, Inc. MBNA receives a fee from the insurer with respect to premium collection. MBNA does not act as an agent for ABLAC/ABIC and neither company has an equity interest in the other. You may contact Assurant regarding your coverage or to file a claim at 1-800-340-4717.
By clicking the Accept Coverage and Continue box below, you agree to the above Privacy statement and consent to be enrolled  in optional MBNA CreditWise offered by the insurance underwriters noted above, where you will be charged $0.99 per $100  of your average daily balance per month, plus applicable taxes. You agree that you have read, understand and accept  the information that has been provided to you as part of the current application about the MBNA CreditWise, including examples of limitations and exclusions that can impact the coverage amount and time period for eligible claims, and understand  that credit insurance is voluntary and not a condition of credit.
Are you sure you want to decline CreditWise balance protection insurance coverage? By clicking “Decline Coverage and Continue” below, you will no longer be enrolled.