mbna smart cash platinum plus mastercard

MBNA Smart Cash Platinum Plus® Mastercard®

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MBNA True Line® Mastercard®

MBNA True Line® Mastercard®

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MBNA Smart Cash Platinum Plus® Mastercard® vs MBNA True Line® Mastercard®: Which one is better?


mbna smart cash platinum plus mastercard

MBNA Smart Cash Platinum Plus® Mastercard®

3.2


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

MBNA True Line® Mastercard®

MBNA True Line® Mastercard®

5


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Finly Rebate

N/A

Rewards Breakdown

Annual Rewards

$210

MBNA Rewards


First Year Bonus Value

$90

MBNA Rewards


Annual Fee

$0


First Year Value

$300

$210 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$0


First Year Bonus Value

$0


Annual Fee

$0


First Year Value

$0

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included*

  • car insurance

    Car Rental Damage & Theft

    Up to 31 days
  • car accident

    Car Rental Accident

    $300,000
  • heart lock

    Travel Accident

    $1,000,000
  • extended warranty

    Extended Warranty

    Up to a year
  • purchase protection

    Purchase Protection

    Up to 90 days
  • luggage insurance

    Car Rental Personal Effects

    $1,000
  • luggage insurance

    Car Rental Personal Effects

    $1,000/person, $2,000 occurrence

Insurance Included*

N/A

Extra Benefits*

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally

  • gavel

    Trip and legal Assistance

    Support for emergency cash transfer, lost document and ticket replacement, lost baggage assistance, pre-trip information and legal assistance while traveling

Extra Benefits*

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally

Interest Rates*

Purchase:

19.99%

Cash Advance:

24.99%

Balance Transfer:

22.99%

Interest Rates*

Purchase:

12.99%2

Cash Advance:

24.99%2

Balance Transfer:

17.99%2

Annual Fee*

$0

Annual Fee*

$0

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Welcome Bonus*

Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)

Welcome Bonus*

You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee. This offer is not available for residents of Quebec.

Rewards Rate*

  • Get 2% Cash Back on eligible gas and grocery purchases (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 0.5% Cash Back for all other eligible purchases

Rewards Rate*

  • No rewards earned on purchases.
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers, and 24.99% on cash advances.
  • You could get a 0% promotional annual interest rate (“AIR”) for 12 months on balance transfers completed within 90 days of account opening, with a 3% transfer fee. This offer is not available for residents of Quebec.
  • Use available credit on your credit card to transfer funds right to your chequing account.
  • Around-the-clock fraud protection.

Is this card worth it?

The MBNA Smart Cash Platinum Plus Mastercard is a solid no-fee card for those looking to earn rewards on everyday essentials like gas and groceries. However, with a cap on rewards and a low base earn rate on other purchases, it may not be the best fit for high spenders outside of these categories.

Is this card worth it?

Even though this card offers no benefits or rewards, the amount you can save on interest is substantial, making it an excellent option for reducing your monthly payments.

Pros

  • 5% cash back on gas and groceries: Earn 5% cash back on gas and groceries for the first 6 months (up to $500 spent per month).
  • 2% ongoing cash back on gas and groceries: After the introductory period, continue earning 2% cash back on gas and groceries, up to $500 in combined monthly spend.
  • Comprehensive insurance: Includes 7 types of insurance, including rental car insurance.
  • No annual fee: Enjoy rewards without paying a fee.

Pros

  • Great to reduce monthly interest payments during the promotional period.
  • Low purchase interest rate for people planning to put some balance on their credit card.

Cons

  • Low cash back on other purchases: Only 0.5% cash back on non-gas and grocery purchases.
  • Cap on gas and grocery rewards: The 2% cash back on gas and groceries is limited to $500 in monthly spend.

Cons

  • A flat fee has to be paid on the balance to make the transfer happen.
  • Not a good card other for purposes other than balance transfer.

Legal


*‡, ††, ✪, Terms and Conditions apply. This offer is not available for residents of Quebec. Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. Check here for full details and current product information.
*†, ✪, Terms and Conditions apply. This offer is not available for residents of Quebec. Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). Check here for full details and current product information.
2 Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

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