Accelerated cash back rewards and travel benefits, in one premium credit card

Your first credit card was for convenience – but now maybe you want more. Superior cash back rewards let your savings add up quickly, and extensive insurance benefits mean you’ll be protected whenever you travel.

Our ManulifeMONEY+™ Visa Infinite* card gives you:

  • Accelerated cash back rewards
  • Extensive travel insurance protection2
  • Exclusive Visa Infinite Benefits3

You’re eligible if you earn $60,000 a year or your household earns $100,000 a year.

No fee cash back Credit Card


Benefits

Compare our credit cards

Features
& benefits
ManulifeMONEY+ Visa Infinite Card
Premium cash back card


ManulifeMONEY+ Visa* Platinum
No fee cash back card
Special introductory offers 10% at grocery stores for your first 3 statements1 5% at grocery stores for your first 3 statements9
$99 annual fee is waived for the first year4  

1.99% interest on balance transfers for first six months5

1.99% interest on balance transfers for the first six months5

Cash back 3% cash back at grocery stores after your first 3 statements6 2% cash back at grocery stores after your first 3 statements10
2% on travel (airlines, hotels, and cruises)6  
1% on everything else6 1% everything else10
Annual fee $99 $0
$30 for each additional cardholder $0 for each additional cardholder
Manulife One Monthly fee waived for the first year you’re an active cardholder, and for future years with $20,000 or more in annual spending7 Monthly fee waived for the first year you’re an active cardholder11

Insurance and coverage

Purchase protection: replacement coverage for loss, theft, or damage within 90 days of purchase2 Purchase protection: replacement coverage for loss, theft, or damage within 90 days of purchase2
Extended warranty: you’ll get up to one year of extra protection beyond the manufacturer’s warranty2 Extended warranty: you’ll get up to one year of extra protection beyond the manufacturer’s warranty2
Travel accident insurance: if you're seriously injured on a trip, we're here to help2 Travel accident insurance: if you're seriously injured on a trip, we're here to help2
Emergency medical insurance: when you travel outside your home province, you’re covered2

Zero liability from Visa: in case of fraud, you won’t pay for any unauthorized transactions on your credit card8

Trip interruption insurance: if you’re ill or injured, we’ll help you get home2  
Flight & baggage delay insurance: if you or your bags don’t get to the right place, we’ll help cover meals, accommodation, and more2  
Rental vehicle damage insurance: if you rent a car, we’ll save you the cost of the rental agency’s Collision Damage Waiver or Loss Damage Waiver2  
Zero liability from Visa: in case of fraud, you won’t pay for any unauthorized transactions on your credit card8  

Visa Infinite benefits: 24/7 Visa concierge services, exclusive access to more than 900 luxury hotel properties, invitations to culinary explorations, and more3

 
Credit limit $5,000 minimum $1,000 minimum

Rates & fees

Annual Fees

$99
for you (waived for the first year4)
$30
for each additional cardholder

Annual interest rates

19.99%
Purchases
21.99%
Cash advances
1.99%5
Balance transfers for six months
21.99%
Balance transfers after six months

FAQ

That depends on how much you spend on your card – but cash back adds up fast. For example:

If you spend …    Cash back reward You will save …
$600/month on groceries 3% $216
$5,000/year on travel 2% $100
$1,500/month on everything else 1% $180
Total savings   $496

Your ManulifeMONEY+ Visa cash back rewards are automatically redeemed and posted to your account as Cash Back Rewards in March, June, September, and December of each year. You'll see your rewards appear on your statement in the Transaction Details as a credit amount. Note that cash back rewards do not contribute to your minimum payment, but they do reduce your New Balance for that period.

This credit card offers 3% cash back for your first $25,000 in annual purchases at grocery stores, 2% cash back for your first for your first $25,000 in annual purchases at hotels and airlines, and 1% cash back for all other purchases. We use Visa Inc.’s “grocery” classification to determine what qualifies as a grocery store. This category generally includes grocery stores and supermarkets. It may not include wholesale clubs, alcohol retailers, general merchandise merchants, convenience stores, discount retailers, specialty stores (such as fish markets) and health food stores.

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Manulife Bank Balance Protection

Challenges are part of life – but if you’re hurt, get sick or lose your job, you may not have enough money to keep up with your credit card payments. With balance protection, you get help making payments so you don’t accumulate as much debt and damage your credit score.

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Manulife One

Banking can get very complicated when you’re managing a mortgage and multiple savings, chequing and line of credit accounts. Combining everything into Manulife One can save you thousands in interest costs – and we’ll waive the account fees for a year if you get our cash back credit card.

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A combined savings and chequing account

Our Advantage Account is a combined savings and chequing account for your everyday banking that gives you a high interest rate on every dollar you deposit. Enjoy the flexibility to bank the way you choose and earn a competitive interest rate on all your money.

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