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
Apply Now
Secure RateBuddy connection · Application completed on MBNA Canada’s site
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—

Cardholder Reviews

A detailed view of approved RateBuddy community feedback for this card.
Be the first to share a cardholder perspective.
Approved reviews build this card’s score and detailed ratings breakdown.
No approved reviews yet
No public user reviews yet. Share your experience to help others compare this card.
Reviews are moderated before publication. RateBuddy does not publish reviewer email addresses or sensitive financial information.

Filed Under

Cash Back Premium / High-End
Apply Now
Secure RateBuddy connection