MBNA Smart Cash Platinum Plus® Mastercard® vs MBNA True Line® Gold Mastercard®: Which one is better?
MBNA Smart Cash Platinum Plus® Mastercard®
MBNA True Line® Gold Mastercard®
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
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 a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
N/A
How to Earn Rewards
- 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
How to Earn Rewards
- No rewards earned on purchases
- Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers✪, and 24.99% on cash advances
- Use available credit on your credit card to transfer funds right to your chequing account.
- Around-the-clock-fraud protection
Insurance Included
Extended Warranty
Up to a year
Purchase Protection
Up to 90 days.svg)
Car Rental Damage & Theft
Up to 31 days
Car Rental Accident
$300,000
Travel Accident
$1,000,000.svg)
Car Rental Personal Effects
$1,000Car Rental Personal Effects
$1,000/person, $2,000 occurrence
Insurance Included
Extended Warranty
Doubled up to 1 yearPurchase Protection
90 days
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
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 Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationallyTrip and legal Assistance
Interest Rates
Purchase:
19.99%1
Cash Advance:
24.99%1
Balance Transfer:
22.99%1
1 Important Notice - Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement, the following rates apply: Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
Interest Rates
Purchase:
10.99%
Cash Advance:
24.99%
Balance Transfer:
13.99%
Annual Fee
$0
Annual Fee
$39
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
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?
A great card for having a permanently low interest rate on your purchases and balance transfers, however you do not earn any rewards.
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
- 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
- High cash advance interest rate at 24.99%
- No rewards earned on purchases
Legal
‡, ††, ✪, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
- Important Notice: Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement
Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
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.
✪, 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.