mbna smart cash world mastercard

MBNA Smart Cash® World Mastercard®

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MBNA True Line® Mastercard®

MBNA True Line® Mastercard®

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


mbna smart cash world mastercard

MBNA Smart Cash® World Mastercard®

3.1


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

$300

MBNA Rewards


First Year Bonus Value

$90

MBNA Rewards


Annual Fee

$39


First Year Value

$351

$261 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

    $200,000
  • heart lock

    Travel Accident

    $1,000,000
  • extended warranty

    Extended Warranty

    Up to a year
  • price protection

    Price Protection

    $500/item, $1,000/year
  • purchase protection

    Purchase Protection

    Up to 90 days
  • luggage insurance

    Car Rental Personal Effects

    $1,000/person, $2,000/occurence

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*

$39

Annual Fee*

$0

Income Required*

Min Personal Income:

$50,000

Min Household Income:

$80,000

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 1% 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 World Mastercard offers decent rewards, especially with its 5% introductory rate on gas and groceries. However, the income requirements and spending caps may limit its appeal to higher earners. If you want flexible rewards and strong insurance coverage, it's a solid option with a low annual fee of $39.

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 for the first 6 months: A solid introductory offer for essential spending categories.
  • Up to 2% cash back: Earn 2% on gas and grocery purchases up to $500 monthly.
  • Comprehensive insurance: Includes 8 types of insurance, including rental car and price protection.
  • Flexible reward redemption: Redeem cash back as a statement credit, deposit to a bank account, or donate to charity.

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

  • High income requirements: $50,000 personal or $80,000 household income needed.
  • Cap on rewards for gas and groceries: 2% cash back is limited to $500 in monthly spending for these categories.

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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