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mbna smart cash world mastercard

3.1

/5

MBNA

Mastercard

MBNA Smart Cash® World Mastercard® (QC)Cash Back Calculator

Up to 5% cash back††

This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.

Our Take

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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MBNA Smart Cash® World Mastercard® (QC) review

Card Details

Interest Rates

Purchase: 21.99%

Cash Advance: 21.99%

Balance Transfer: 21.99%

Annual Fees

Main Card: $39

Additional Cards: $0

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)
  • This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.

Annual Income

Personal: $50,000

Household: $80,000

Credit Score Estimate

300
Poor
560
Fair
660
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type

Credit

Reward Type

Cash Back

Loyalty Program: MBNA Rewards

Our Rating

3.1/5

Institution

MBNA

How You 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 1% Cash Back‡ for all other eligible purchases

Annual Rewards Breakdown

Annual Rewards Summary

Point Redemptions

Redemption Method

Net Value (After Annual Fee)

Insurance & Benefits

7 insurance
2 benefits

Insurance

Coverage

  • purchase protection

    Purchase Protection

    Up to 90 days
  • price protection

    Price Protection

    $500/item, $1,000/year
  • extended warranty

    Extended Warranty

    Up to a year
  • car insurance

    Car Rental Damage & Theft

    Up to 31 days
  • car accident

    Car Rental Accident

    $200,000
  • luggage insurance

    Car Rental Personal Effects

    $1,000/person, $2,000/occurence
  • heart lock

    Common Carrier Travel Accident Insurance

    $1,000,000

    • Benefits

    Details

  • 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

    • Pros & Cons

    Pros

    • High intro grocery optimization
    • High intro gas optimization
    • Decent ongoing earn rates
    • Comprehensive insurance
    • Flexible redemptions
    • Rare price protection
    • Car rental discounts

    Cons

    • Income requirements
    • Reward caps

    ‡, ††, ††††, ✪, Terms and Conditions apply.


    This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.


    Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% 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.