MBNA Smart Cash World Mastercard
Cash Back Premium / High-End

MBNA Smart Cash World Mastercard

MBNA Canada MBNA Canada
Welcome Bonus: 5% Cash Back on gas and groceries for the first 6 months
Annual Fee $39
Purchase APR 21.99%
Cash Advance 22.99%
Bonus Value $150

RateBuddy Verdict

The Good
  • The base earn rate increases to 1% (double the Platinum Plus version) on all purchases outside of gas and groceries.
  • Adds strong premium insurances like Rental Vehicle Collision Damage Waiver and Price Protection for a very low $39 annual fee.
  • Allows you to add up to 9 authorized users without paying any extra annual fees.
The Trade-offs
  • The accelerated 2% gas and grocery earning rate is capped at just $500 combined per month.
  • Requires a minimum personal income of $50,000 or a household income of $80,000 to qualify.

Rewards & Earnings

Groceries 2%
Dining 1%
Gas 2%
Travel 1%
Recurring Bills 1%
Base Rate 1%
Rewards Summary: 2% Cash Back on eligible gas and grocery purchases ($500 monthly spend cap); 1% Cash Back on all other eligible purchases.

Welcome Bonus Details

Earn 5% Cash Back on gas and groceries for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500).

Estimated Value: $150

Features & Benefits

Car Rental Collision/Loss Damage Waiver
Rental Vehicle Collision Damage Waiver included
Extended Warranty Insurance
Doubles manufacturer warranty up to 1 year
Purchase Security Insurance
Purchase Assurance for 90 days (Up to $60k lifetime)

Insurance Coverage

Rental Vehicle Collision Damage Waiver, Price Protection, Purchase Assurance (90 days, $60k lifetime), Extended Warranty, and Mastercard Zero Liability.

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR22.99%
Balance Transfer APR22.99%
Annual Fee$39
Supplementary Card Fee$0
Grace Period21 days
Income Required Personal: $50,000
Household: $80,000
Recommended Credit Score—

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Filed Under

Cash Back Premium / High-End
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