MBNA Rewards World Elite Mastercard

Published minimum income $80,000

Relevant if: you use the MBNA Rewards program and its documented categories.

Less suitable if: you do not recover at least $120 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$420

Confirmed offer · not valued in the estimate

Fee: $120 a year, from year one (no rebate confirmed)

Offer verified on November 5, 2026

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View calculation details

For a spending profile of $36,000 a year

Rewards net of annual fees (balanced scenario): $420
+ Offer (first 12 months): Offer confirmed, but not yet valued by Futello — not included
= Estimate for this profile, without the offer: $420

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: 20,000 points MBNA Rewards
Conditions: Earn up to 20,000 bonus MBNA Rewards Points †† for cash back, gift cards and more
End date: End date not published
Offer quality: Fair Futello rating grid
Last verified: Verified today

Email me if this offer changes

Offer history: too short to compare

September 23, 2026 20,000 points current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward	Conditions
Other purchases	1 point per dollar	Cap not documented
Restaurants, Groceries, Digital media, Memberships, and Household utilities	5 points per dollar	$50,000 cap / year

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

Best for restaurants and food delivery

American Express Cobalt CardAmerican Express Canada · American Express

Annual fees: $191.88
Annual net value: $278.68

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Scotiabank Gold American Express CardScotiabank Canada · American Express

Annual fees: $120
Annual net value: $86.67

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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