RewardsNo Annual FeeMastercard

MBNA Rewards Platinum Plus Mastercard

MBNA

No-fee rewards card with 2X on everyday spending categories and birthday bonus.

The MBNA Rewards Platinum Plus Mastercard is a MBNA Mastercard card with no annual fee. It earns 2 points per $1 on Restaurants, groceries, digital media, utilities, memberships. Listed welcome offer value: $50 in cash back value.

Last updated October 8, 2026Source: issuer page

Key facts

Annual fee: $0
Purchase interest rate: 21.99%
Cash advance rate: 22.99%
Earn rates: 2 points per $1 on Restaurants, groceries, digital media, utilities, memberships (Up to $10,000 annually per category); 1 point per $1 on All other purchases
Welcome offer: $50 in cash back value
Foreign transaction fee: Not listed
Income requirement: Not listed

How this score is calculated

Formula

Net annual value(50%)3.4
Welcome bonus(15%)0.6
Foreign transaction fee(10%, dropped)—
Insurance & perks(15%)1.3
Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-08

Annual Fee

Purchase Interest Rate

21.99%

Cash advance: 22.99%

Foreign Transaction Fee

Not listed

What rewards does this card earn?

The MBNA Rewards Platinum Plus Mastercard earns 2 points per $1 on Restaurants, groceries, digital media, utilities, memberships.

Restaurants, groceries, digital media, utilities, memberships

Up to $10,000 annually per category

2 points per $1

All other purchases

1 point per $1

Is there a welcome offer?

Yes. The listed welcome offer value is $50 in cash back value.

4 points per $1 on eligible categories for first 90 days (then 2 points), up to 10,000 bonus points total

Value: $50 in cash back value

5,000 points after $500 spend in 90 days, 5,000 for paperless e-statement enrollment within 90 days

Pros

No annual fee
2X on multiple categories
Birthday bonus points

Cons

Category spending caps
Points value is modest

What perks are included?

No annual fee
10% annual birthday bonus on points earned (up to 10,000 bonus)
Points never expire while account open
Flexible redemption: cash back, travel, merchandise, gift cards, charity
Mobile device insurance up to $1,000

What insurance is included?

Purchase Protection

Frequently asked questions

What is the annual fee on the MBNA Rewards Platinum Plus Mastercard?

The MBNA Rewards Platinum Plus Mastercard has no annual fee.

What rewards does the MBNA Rewards Platinum Plus Mastercard earn?

2 points per $1 on Restaurants, groceries, digital media, utilities, memberships (Up to $10,000 annually per category); 1 point per $1 on All other purchases