MBNA Rewards Platinum Plus Mastercard

Ongoing: 2 points per $1 on eligible restaurant, grocery, digital media, membership and household utility purchases; 1 point per $1 on all other eligible purchases. Introductory accelerator: 4 points per $1 in those same five categories during the first 90 days, reverting to 2 points thereafter. CAP WORDING DIFFERS BETWEEN MBNA'S OWN PAGES: the rest-of-Canada page says the accelerated rate applies 'up to $10,000 annual spend per category' (implying five separate $10,000 counters, up to $50,000 of accelerated spend), while the Quebec page says 2 points 'until $10,000 is spent annually' (implying one shared $10,000 counter). Conservative reading of $10,000 recorded in earn_cap_annual. MBNA does not state on either page whether the counter resets on the calendar year, the account anniversary or a statement month, reset timing is NOT published. Earn_recurring maps to 'household utility' and earn_entertainment maps to 'digital media'; 'membership' has no field. Separately, an Annual Birthday Bonus pays 10% of the points earned in the 12 months prior to the primary cardholder's birthday month, capped at 10,000 bonus points per year.

Up to 10,000 bonus MBNA Rewards Points. Tier 1: 5,000 points for $500+ in eligible purchases within the first 90 days. Tier 2: 5,000 points for enrolling in paperless e-statements within 90 days. This tier is an ACTION, not a spend threshold, so bonus_tier2_spend is null. The rest-of-Canada page states the offer is 'not available to residents of Quebec'; Quebec residents get their own version of the offer on MBNA's Quebec page, structured as 5,000 points after first purchase within 90 days plus 5,000 points for e-statement enrolment. Note the Quebec tier 1 requires only a first purchase, not $500 of spend. No offer end date published.

Mobile Device Insurance up to $1,000. Purchase Assurance covering eligible purchases for 90 days with a $60,000 per account lifetime limit. Extended Warranty doubling manufacturer warranties up to one additional year. Mastercard Zero Liability. No travel medical, no trip cancellation/interruption, no rental car CDW. Up to 9 authorized users at no additional annual fee. Notable for carrying mobile device coverage on a $0 annual fee card. CONFLICTING ISSUER FIGURES on the earn cap: rest-of-Canada page says '$10,000 annual spend per category' (five counters), Quebec page says 'until $10,000 is spent annually' (one counter). Difference is up to $50,000 vs $10,000 of accelerated spend. A 5x swing in card value. Recorded conservatively at 10,000; must be resolved before publishing. MBNA does not publish the cap RESET timing anywhere on either page. Do not assume calendar year. HEADLINE VS SUBSTANCE: the '4 points per $1' headline lasts only 90 days. The real ongoing rate is 2 points per $1, and at the cash redemption value of 200 points = $1 that 2x is worth just 1% back. Point value depends entirely on redemption channel: 100 points = $1 for travel (1.0 cent), but 200 points = $1 for cash back or charity (0.5 cent). Point_value_cents records the best-case travel rate of 1.0, cash redeemers get half that. Quebec is NOT excluded, but Quebec gets different APRs (21.99% across purchases, cash advances and balance transfers rather than 21.99/22.99/22.99) and a different welcome offer. The ROC page's 'not available to residents of Quebec' refers to the offer, not the card. Second welcome tier is earned by enrolling in e-statements, not by spending. A spend-only filter will misprice it. No foreign currency conversion fee published; recorded null, not 0.