ManulifeMONEY+ Visa Overview

The ManulifeMONEY+ Visa credit cards offer solid value for Canadian consumers seeking cash back and flexible rewards. There are two standout options: the Visa Infinite, featuring premium perks, and the Platinum card with no annual fee.

The Visa Infinite card provides up to 3% cash back at grocery stores, 2% on travel, and 1% everywhere else. It includes travel benefits and an annual fee of $139, which is waived during the first year.

The Platinum version appeals to budget-conscious applicants, offering 2% cash back at grocery stores and 0.5% elsewhere, with no annual fee at all. Both cards offer a 1.99% interest rate on balance transfers for the first six months.

Applicants can enjoy competitive rates after the promotional period, with the purchase rate set at 20.99% and a cash advance/balance transfer rate of 22.99%. These products are ideal for everyday spending and maximizing cash back.

Credit limits and approval are based on individual creditworthiness, providing an opportunity for many Canadians to benefit from these tailored offers.

How to Apply: Step-by-Step

Applying for a ManulifeMONEY+ Visa card is a simple process designed for maximum convenience. First, visit Manulife's official website and select your preferred card option.

Complete the secure application form by providing your personal information, including your employment and financial details. Review all card features to ensure they align with your needs.

Once submitted, the application is reviewed for approval based on your credit score and history. In many cases, you'll receive a decision within minutes online.

After approval, your new credit card will be mailed directly to your address along with a welcome package outlining your benefits and rewards program details.

Activate your card when received and start enjoying cash back on every purchase.

Pros of ManulifeMONEY+ Visa

One major advantage is the generous cash back program, especially on groceries and travel, which helps maximize the value of everyday purchases.

The first-year annual fee waiver for the Visa Infinite card provides an accessible way to test the premium features without commitment. Both cards offer an enticing 1.99% balance transfer rate for six months.

Cons of ManulifeMONEY+ Visa

Despite appealing perks, both cards revert to higher interest rates post-promotion, with balance transfers and cash advances costing 22,99% annually after six months.

Additionally, the maximum cash back on groceries is capped ($25,000 on Infinite, $15,000 on Platinum), limiting the total return for high spenders.

Our Verdict

The ManulifeMONEY+ Visa cards present strong options for Canadians aiming for flexibility in rewards and budgeting. Both cards can suit savvy everyday spenders, thanks to their cash back rates and straightforward redemption.

If you value travel perks or spend significantly at grocery stores, the Visa Infinite excels—especially with the first-year fee waiver. Budget-focused users might prefer the no-fee Platinum version.