MBNA Smart Cash Platinum Plus® Mastercard® (QC) Review
The Bottom Line
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.
on MBNA's website
This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.
Welcome Bonus
Up to 5% cash back††
Annual Fee
$0
Interest Rates
21.99% / 21.99%
RECOMMENDED CREDIT SCORE
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
Insurance
Coverage
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
Up to 31 days
Car Rental Accident
$300,000.svg)
Car Rental Personal Effects
$1,000
Common Carrier Travel Accident Insurance
$1,000,000Car Rental Personal Effects
$1,000/person, $2,000 occurrence
Benefits
Details
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
Eligibility
Credit Score
GoodAnnual Income
N/A
Welcome Bonus Details
- 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)
- This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.
Card Details
Interest Rates
Purchase APR
21.99%
Cash Advance APR
21.99%
Balance Transfer APR
21.99%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- High intro grocery optimization
- High intro gas optimization
- Decent ongoing earn rates
- Comprehensive insurance
- No annual fee
- Car rental insurance
- Car rental discounts
Cons
- Low base earn rate
- Cashback spending caps
Get personalized rewards estimates — see exactly how much you could earn.
MBNA Smart Cash Platinum Plus® Mastercard® (QC) Cash Back Calculator
on MBNA's website