Quantum Benefits
No annual fee
Credit Line available from $10,000 to $250,000 with 100% of the line available for cash or purchases
Special annual percentage rate with a low introductory rate for balance transfers and cash advances
Quantum Assist - a complimentary distinctive concierge service for dining reservations, hard-to-find tickets, gifts and flowers
Absolute fraud protection against unauthorized use using the most advanced internet software encryption technology
State-of-the-art Internet services
No over the limit fees
Request up to nine additional cards for family or friends at no additional cost
Special processing for Credit Line Increases
Special dispute handling
Customers can call IBS/MBNA directly.
Plus Rewards Program
Clients earn 1 point for every $1 spent in net retail purchases. Rewards may be earned with as little as 2,500 points. Points may be used for airfare aboard any major U.S. airline for foreign and domestic flights with no blackout dates. Travel Rewards are defined in terms of the number of Points required and a corresponding Maximum Dollar Value (MDV). If the dollar cost of a Reward exceeds the MDV, you must pay the difference between the cost and the MDV in order to obtain the Reward. The difference can be charged to the Quantum card, which will earn rewards points for the transaction. For information on enrolling, refer to Enrolling in the Quantim Plus Rewards Program. Points are tracked automatically and displayed on the Quantum card monthly statement. Accumulated points earned in the past month can also be viewed on-line at
www.ibsplusrewards.com after the account cycles. A complete selection of Rewards is displayed at
www.ibsplusrewards.com and, upon request, MBNA will mail a printed catalog with an abridged selection of merchandise rewards. Rewards may be redeemed through MBNA at 1-800-435-1293. Merchandise may also be redeemed via the Plus Rewards web site.
Quantum Plus Air Rewards:
The number of Points and corresponding MDV required for Rewards are:
Location / Points Required / Maximum Dollar Value
Within the 48 contiguous states of the U.S. 25,000 $400
From the 48 contiguous states of the U.S. to Alaska, Hawaii, Canada, Mexico, the Caribbean, Puerto Rico, the Bahamas, or Bermuda 35,000 $600
From the 48 contiguous states of the U.S. to Europe 50,000 $800
From the 48 contiguous states of the U.S. to South America, Asia, or Australia 75,000 $1,200
Note: The respective Points and Maximum Dollar Value (MDV) requirements also apply should travel originate from AK, HI, or any of the international locations and terminate at a destination within the 48 states. Maximum Dollar Value (MDV) includes taxes and destination fees.
Quantum Plus Car Rental Rewards
Rent a midsize vehicle with pickup and return to the same rental location within the U.S.
Rental Length / Points Required / Maximum Dollar Value
One-day rental 2,500 $60
For a 7-day rental 15,000 $300
Note: Advance reservations of at least 7 days are required and are subject to availability. Maximum Dollar Value (MDV) includes tax.
Quantum Plus Hotel Rewards
Hotel Rewards are at participating properties in the U.S.
Room Type Points Required
For a room with a Maximum Dollar Value of $80 or less 5,000
For a room with a Maximum Dollar Value between $81-$160 10,000
For a room rate with a Maximum Dollar Value between $161-$240 15,000
Note: Advance reservations of at least 7 days are required and are subject to availability. No minimum stay requirement. Maximum Dollar Value (MDV) equals the per night rate, including tax, for a standard single or double-occupancy room.
Quantum Plus Merchandise Rewards
Redeem points for items available at
www.ibsplusrewards.com or from the current printed catalog. Rewards are shipped prepaid. Rewards may not be returned for refund. However, MBNA pays shipping costs for damaged or defective rewards merchandise being sent for exchange. Rewards are subject to availability.
Most stock items ship within 48 hours from receipt of your order, unless advised otherwise. Rewards are sent to street addresses, no P.O. Boxes. Complete details about shipping, including information about direct shipments from suppliers, large freight items, damaged or incomplete shipments, and details about exchanges and refunds are found at the Plus Rewards web site and in the printed catalog.
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