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Mr. Loonie
ManulifeMONEY+ Visa Platinum

ManulifeMONEY+ Visa Platinum

Best for: People with health and wellness spending who want cash back with no annual fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Every year
$129

Ranked #127 of 176 for year one. See the list

See how we worked it out
Balance transfers
1.99% for 6 months
3% fee, then 22.99%
Annual fee
None
Apply now on Manulife Bank’s site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Manulife Bank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

What you’d earn Can I get it? Fees Similar cards
From the numbers

The good and the bad

Stands out

  • Good: 1.5% back on pharmacy
  • Good: 1.99% on moved balances for 6 months A 3% fee to move them.
  • Good: No annual fee It costs nothing to keep.

Watch for

  • Watch for: Everything else earns 0.5% back That’s low for everyday spending.
  • Watch for: 22.99% after the 6 months Whatever you haven’t paid off by then is charged the regular rate.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

  • Groceries $48
    0.5% back $800 a month · $48 a year
  • Restaurants $30
    1% back $250 a month · $30 a year
  • Gas $15
    0.5% back $250 a month · $15 a year
  • Recurring bills $15
    0.5% back $250 a month · $15 a year
  • Travel $18
    1% back $150 a month · $18 a year
  • Everything else $39
    0.5% back $650 a month · $39 a year
  • Foreign currency $9
    0.5% back $150 a month · $9 a year
For you Year one Later years
Cash back you earn $174 $174
Annual fee $0 $0
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Total $129 $129

Rows are rounded to the dollar.

What counts in each category
Pharmacy
1.5% back Up to $15,000 in spending per year (shared with other categories). Health, wellness and medical
Travel
1% back Up to $15,000 in spending per year (shared with other categories).
Restaurants
1% back Up to $15,000 in spending per year (shared with other categories).
Entertainment
1% back Up to $15,000 in spending per year (shared with other categories).
Everything else (base rate)
0.5% back

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

  • Finder (opens in a new tab) Jan 2021

    “If you’re a Manulife customer looking for a fee-free card that offers a decent return on cash back and benefits, then you might like to check out the ManulifeMONEY+ Visa Platinum card. This card comes with a generous welcome bonus and comprehensive benefits for no annual fee.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Manulife Bank’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, car rental damage and mobile device.

Fees and interest

What it costs

Annual fee
None
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Cash advance fee
$3.50
Balance transfer fee
3%
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Intro rate: balance transfers
1.99% for 6 months, fee 3%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $129 year one, $129 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the ManulifeMONEY+ Visa Platinum?

There is no annual fee.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it have a balance transfer offer?

Yes, 1.99% for 6 months. The transfer fee is 3%. After that, the rate is 22.99%.

Does it include insurance?

It lists extended warranty and purchase protection. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$129
a year for you
Apply now on Manulife Bank’s site (opens in a new tab)
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