A top-tier no-fee rewards card with above-average earn rates and a unique birthday bonus. Insurance is thin, but for $0 a year it punches well above its weight.
| Groceries$10,000 annual cap per category; 4x during the first 90 days | 2x |
| Restaurants | 2x |
| Digital media | 2x |
| Memberships & household utilities | 2x |
| Everything else | 1x |
Welcome offer: Up to 10,000 MBNA Rewards points (worth $100), plus 4x points on bonus categories for the first 90 days; not available to Quebec residents (alternate offer applies) (5,000 points after $500 in purchases within 90 days plus 5,000 points for enrolling in paperless statements within 90 days).
