FR
FR
FRBest Credit Cards

Manulife Bank Visa Platinum Card

Manulife Bank Visa Platinum Card
ManulifeCash BackNo annual fee
Apply Now

on Manulife's website

Annual Fee
$0
Welcome offerFor 6 months
1.99% on balance transfers

Pros & Cons

Pros

  • Purchase protection included
  • No annual fee

Cons

  • Foreign Transaction Fee (2.5%)

Our Review

The ManulifeMONEY+ Visa Platinum Card is a no-annual-fee cash-back card from Manulife. It rewards your health and wellness spending in particular while staying simple to use day to day.

You earn 1.5% rewards on health, wellness and medical purchases and 1% on travel, entertainment and dining (on the first $15,000 in annual spending in each of these two groups), and 0.5% on all your other purchases. The card also offers a promotional interest rate of 1.99% on balance transfers for the first six months. The minimum personal income required is $15,000.

The annual interest rate is 21.99% on purchases and 22.99% on cash advances and balance transfers. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

Rewards

All Spending

0.5x

Cash Back pts per dollar

Pharmacy

1.5x

Cash Back pts per dollar

Travel

1x

Cash Back pts per dollar

Restaurants

1x

Cash Back pts per dollar

Entertainment

1x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries0.50%
$700/month
Gas & EV0.50%
$200/month
Transit0.50%
$100/month
Restaurants1.00%
$300/month
Pharmacy1.50%
$50/month
Travel1.00%
$150/month
Bills & recurring payments0.50%
$250/month
Telecom0.50%
$150/month
Entertainment & streaming1.00%
$100/month
Office supplies0.50%
$0/month
Online advertising0.50%
$0/month
All other spending0.50%
$500/month

Cashback earned

$189

$/yr

Estimated Value

$189

After Fees

+$189

1st Year Value

$189

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 0.50%$42
Gas & EV$2,400/yr × 0.50%$12
Transit$1,200/yr × 0.50%$6
Restaurants$3,600/yr × 1.00%$36
Pharmacy$600/yr × 1.50%$9
Travel$1,800/yr × 1.00%$18
Bills & recurring payments$3,000/yr × 0.50%$15
Telecom$1,800/yr × 0.50%$9
Entertainment & streaming$1,200/yr × 1.00%$12
All other spending$6,000/yr × 0.50%$30
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.63%
Total cashback earned$189

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $0
  • Additional card fee
    $0
  • Foreign currency conversion fee
    2.5%
  • Purchase Rate
    21.99%
  • Balance transfer rate
    22.99%
  • Cash advance rate
    22.99%
  • Balance Transfer Promo

    Intro period: 6 months · Transfer fee: 3%

    1.99%

Eligibility

Personal Income

$15,000

Household Income

$15,000

Terms & Conditions

Card Features

  • 1.5% rewards on the first $15,000 in annual health, wellness and medical purchases
  • 1% on the first $15,000 in annual travel, entertainment and dining purchases
  • 0.5% on all other purchases
  • 1.99% interest rate on balance transfers during the first six months

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Protegez-Vous may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Manulife Bank. All trademarks are property of their respective owners.

Manulife Bank Visa Platinum Card | Protegez-Vous