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MBNA Smart Cash® World Mastercard®
$50
MBNA Smart Cash
Credit Card · Apply through Finly
Cash back
$50
Finly rebate
$50
Get $50 rebate** on the MBNA Smart Cash® World Mastercard®
Stacks on top of the card’s welcome bonus
Apply through Finly to collect the card's welcome bonus from the issuer plus our Finly rebate on top — sent to your bank via Interac e-Transfer once your application is approved.
Paid via INTERAC e-Transfer
Secure & private
$1,236,000+ paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
- Subject to approval.
- For new cardholders only.
- This offer is not available for residents of Quebec. For residents of Quebec, please click here.
The card
Why MBNA Smart Cash?
Issued by MBNA. Apply through Finly to earn an extra cash rebate on top of every reward this card offers.
How to earn the 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.
Earns rewards on
1% - 2% cashback
Gas
Groceries
- 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
Fees & rates
Annual fee
$39
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign transaction
2.5%
Additional cards
$0
Min personal income
$50,000
Min household income
$80,000
Credit recommended
Very Good
Built-in perks & coverage
Car Rental Discount
Trip and legal Assistance
Purchase Protection
Price Protection
Extended Warranty
Car Rental Damage & Theft
Car Rental Accident
Car Rental Personal Effects
Ready when you are
$50 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
‡, ††, ††††, ✪, 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.