Cash back is like getting a discount on everything you buy

You work hard for your money, so we understand it’s important to get the most out of every purchase. Cash back for every tap, swipe and online checkout adds up to money in your pocket – and there’s no annual fee.

Our no annual fee ManulifeMONEY™ Visa* Platinum cash back credit card gives you:

  • Cash back rewards2 with no annual fee
  • Purchase protection and extended warranty insurance3
  • Worldwide acceptance

No fee cash back Credit Card


Compare our credit cards

& benefits
ManulifeMONEY+ Visa Platinum
No fee cash back card
ManulifeMONEY+ Visa Infinite
Premium cash back card

Annual fee $0 for you $99 for you (waived for the first year7)
$0 for each authorized user $30 for each authorized user
Cash back 5% at grocery stores for your first 3 statements1, then 2% after that2 10% at grocery stores for your first 3 statements8, then 3% after that9
1% on everything else2 2% on hotels and airlines9
x 1% on everything else9
Manulife One Fee waived for first year4 Fee waived for first year, and for future years with $20,000 or more in annual spending10
Travel3 Travel accident coverage up to $100,000 Travel accident coverage up to $500,000
x Emergency medical insurance
x Trip interruption insurance
x Flight and baggage delay insurance
x Rental vehicle damage insurance
x 24/7 concierge services11
Credit limit $1,000 minimum $5,000 minimum

Rates & fees

Annual Fees

for you
for each authorized user

Annual interest rates

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


If you spend …    Cash back reward You will save …
$400/month on groceries 2% $96
$1,000/month on everything else 1% $120
Total savings   $216

This credit card offers 2% cash back for your first $15,000 in purchases at grocery stores 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.

Your interest rates won’t change if you miss making one minimum payment by the due date during any 12-month period. However, if you miss making two (or more) minimum payments by the due date during any 12-month period, your interest rates will increase to: 

  • 24.99% for purchases
  • 26.99% for cash advances
  • 26.99% for balance transfers 

If you make the minimum payments by the due date for 12 months in a row, your interest rates will go back to 19.99% for purchases and 21.99% for cash advances and balance transfers.

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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.