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MBNA Smart Cash® World Mastercard® (QC) Review
The Bottom Line
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.
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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††
Rewards Rate
1% - 2% cashback
Cash Back
Annual Fee
$39
Interest Rates
20.99%* / 20.99%*
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 1% Cash Back‡ for all other eligible purchases
Insurance
Coverage
Purchase Protection
Up to 90 days
Price Protection
$500/item, $1,000/year
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
Up to 31 days
Car Rental Accident
$200,000.svg)
Car Rental Personal Effects
$1,000/person, $2,000/occurence
Travel Accident
$1,000,000
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
Very GoodAnnual Income
$50,000 personal or $80,000 household
* ‡, ††, ††††, ✪, 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.
Card Details
Interest Rates
Purchase APR
20.99%*
Cash Advance APR
20.99%*
Balance Transfer APR
20.99%*
* 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, 21.99% on balance transfers✪, and 21.99% on cash advances
Fees
Annual Fee
$39
Additional Cards
$0
Eligibility
Minimum Individual Income
$50,000
Minimum Household Income
$80,000
Credit Score Estimate
Very Good
Type
Pros & Cons
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.
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.
Get personalized rewards estimates — see exactly how much you could earn.
MBNA Smart Cash® World Mastercard® (QC) Cash Back Calculator
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on MBNA's website