Side by Side Credit Cards Comparison
Amazon.ca Rewards Mastercard®VSMBNA Smart Cash® World Mastercard®
Which one is better?
Amazon.ca Rewards Mastercard®
3.1
RECOMMENDED CREDIT SCORE*
MBNA Smart Cash® World Mastercard®
3.1
RECOMMENDED CREDIT SCORE*
Welcome Bonus
Up to $150
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 not available for residents of Quebec. For residents of Quebec, please click here.
Our Cash Offer
N/A
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
- 2.5% cashback on Amazon.ca, Whole Foods and foreign currency transactions IF a prime member
- Only 1.5% on Amazon.ca and Whole foods and 1% on foreign currency transactions IF not a prime member
- 1% cashback on everything else
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 1% Cash Back‡ for all other eligible purchases
Insurance Included
Extended Warranty
Up to a year
Purchase Protection
90 days
Insurance Included
Extended Warranty
Up to a yearPurchase Protection
Up to 90 days.svg)
Car Rental Damage & Theft
Up to 31 days
Car Rental Accident
$200,000
Common Carrier Travel Accident Insurance
$1,000,000
Price Protection
$500/item, $1,000/year.svg)
Car Rental Personal Effects
$1,000/person, $2,000/occurence
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Yes
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
Support for emergency cash transfer, lost document and ticket replacement, lost baggage assistance, pre-trip information and legal assistance while traveling
Interest Rates
Purchase:
21.74%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$0
Annual Fee
$39
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$50,000
Min Household Income:
$80,000
Is this card worth it?
If you are a Prime member and want to maximize your cashback on your Amazon purchases, then this card is the best option for that specific purchase category. However, for other purchases, many other cards offer better benefits and rewards.
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.
Pros
- Impressive Prime optimization
- Foreign currency cashback
Pros
- High intro grocery optimization
- High intro gas optimization
- Decent ongoing earn rates
- Comprehensive insurance
- Flexible redemptions
- Rare price protection
- Car rental discounts
Cons
- Low non-Amazon optimization
- Limited benefits
Cons
- Income requirements
- Reward caps
vs MBNA True Line® Gold Mastercard®
vs MBNA True Line® Mastercard®
vs MBNA Smart Cash Platinum Plus® Mastercard®
vs MBNA Rewards Platinum Plus Mastercard®
vs MBNA Rewards World Elite® Mastercard®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs Tangerine Money-Back Mastercard
vs SimplyCash™ Preferred Card from American Express
vs PC World Elite Mastercard
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs Rogers Red World Elite® Mastercard
vs American Express Cobalt® Card
Legal
‡, ††, ††††, ✪, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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.