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Mr. Loonie
ManulifeMONEY+ Visa Infinite

ManulifeMONEY+ Visa Infinite

Best for: People with high health and wellness spending who want cash back and travel insurance

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
Year one
$384
Every year after
$245

Ranked #91 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
$0 first year
Then $139 a year
Apply now on Manulife Bank’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
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

Is it for me? What you’d earn Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $600 or more a month on pharmacy?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2% back on pharmacy
  • Good: 1.99% on moved balances for 6 months A 3% fee to move them.
  • Good: No fee in the first year Then $139 a year.

Watch for

  • Watch for: $139 a year from year two You need about $600 a month on pharmacy to earn it back.
  • 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 $96
    1% back $800 a month · $96 a year
  • Restaurants $45
    1.5% back $250 a month · $45 a year
  • Gas $30
    1% back $250 a month · $30 a year
  • Recurring bills $30
    1% back $250 a month · $30 a year
  • Travel $27
    1.5% back $150 a month · $27 a year
  • Everything else $78
    1% back $650 a month · $78 a year
  • Foreign currency $18
    1% back $150 a month · $18 a year
For you Year one Later years
Cash back you earn $324 $324
Annual fee $0 −$139
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $384 $245

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Pharmacy
2% back Up to $25,000 in spending per year (shared with other categories). Health and wellness
Travel
1.5% back Up to $25,000 in spending per year (shared with other categories). Including flights and cruises
Restaurants
1.5% back Up to $25,000 in spending per year (shared with other categories). Including AirBnb
Entertainment
1.5% back Up to $25,000 in spending per year (shared with other categories).
Everything else (base rate)
1% 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
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

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 Bank customer and you want to earn a decent return on cash back for daily purchases, the ManulifeMONEY+ Visa Infinite card could be a good fit for you. This card comes with a generous welcome bonus and comprehensive travel insurance, but you’ll have to pay an annual fee to keep your account active.”

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

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Emergency medical insurance
  • Trip interruption insurance
  • Flight & baggage delay insurance
  • Manulife One Unlimited Daily Banking fee waived for the first year you’re an active cardholder. After that, waive your Manulife One Unlimited Daily Banking fee when you spend $20,000 a year on your card
  • 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 and mobile device.

Fees and interest

What it costs

Annual fee
$0 first year Then $139 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $139 off (Waived on the first year)
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: $384 year one, $245 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 Infinite?

$0 the first year, then $139 a year. Each extra card costs $50.

What income do I need?

Manulife Bank asks for $60,000 in personal income.

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, purchase protection, emergency medical insurance and trip interruption insurance. 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

$384
year one for you
Apply now on Manulife Bank’s site (opens in a new tab)
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