Side by Side Credit Cards Comparison
MBNA Smart Cash® World Mastercard®VSMBNA True Line® Gold Mastercard®
Which one is better?
MBNA Smart Cash® World Mastercard®
3.1
RECOMMENDED CREDIT SCORE*
MBNA True Line® Gold Mastercard®
3.9
RECOMMENDED CREDIT SCORE*
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.
Welcome Bonus
N/A
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
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
- 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
How to Earn Rewards
- No rewards earned on purchases
- Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers✪, and 24.99% on cash advances
- Use available credit on your credit card to transfer funds right to your chequing account.
- Around-the-clock-fraud protection
Insurance Included
Extended Warranty
Up to a year
Purchase 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
Insurance Included
Extended Warranty
Doubled up to 1 yearPurchase Protection
90 days
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% 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
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
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
10.99%
Cash Advance:
24.99%
Balance Transfer:
13.99%
Annual Fee
$39
Annual Fee
$39
Income Required
Min Personal Income:
$50,000
Min Household Income:
$80,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
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?
A great card for having a permanently low interest rate on your purchases and balance transfers, however you do not earn any rewards.
Pros
- High intro grocery optimization
- High intro gas optimization
- Decent ongoing earn rates
- Comprehensive insurance
- Flexible redemptions
- Rare price protection
- Car rental discounts
Pros
- Low purchase interest rate
- Low balance transfer rate
- Fraud protection
- Car rental discounts
- Trip and legal assistance
- Credit transfers
Cons
- Income requirements
- Reward caps
Cons
- High cash advance rate
- No rewards
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.
✪, 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.