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The WorldPoints® MasterCard® Credit Card, issued by MBNA Canada, is available to Canadian residents and provides cardholders with access to a fixed interest rate, a rewards program, and platinum cardholder services.

This credit card does not have an annual fee and does not have an introductory rate. Cardholders, however, will benefit from the fixed AIRs for all transactions.

This card comes with a rewards program where cardholders can earn one point for every dollar they spend on purchases. All points earned can be redeemed for merchandise, travel, gift cards and certificates.

Cardholders can also take advantage of the platinum benefits that come with the card which include online account access and access to thousands of ABMs worldwide.

Those who do not qualify for the platinum card may be considered for the preferred card, which varies in terms of benefits and credit limits.

Type of card: Personal

Introductory apr rate description: No Introductory Rate Available

Purchases apr rate: $19.99

Cash apr rate: $19.99

Fee: $0.00

Additional points: None

Point details: Points earned are redeemable for merchandise, gift cards, gift certificates, and travel.

Points per dollar: 1 Point

Best: Rewards program; no annual fee

Worst: No introductory rate

Perks: See website for additional benefits.

Notations: *After 1 year of inactivity with a credit balance, the fee will be the lesser of $5 or the credit balance; after 2 years the fee will be the lesser of $15 or the credit balance; after 5 years the fee will be the lesser of $25 or the credit balance; and after 9 years the fee will be the lesser of $30 or the credit balance. See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• 1,000 Bonus WorldPoints After Your First Purchase*
• No Annual Fee
• 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
• Earn 1 WorldPoint for Every $1 in Net Retail Purchases
• Online Access to Your Credit Card Account
• Unparalleled 24-Hour Customer Service