MBNA Smart Cash World Mastercard
MASTERCARDEveryday rewards
MBNA Smart Cash World Mastercard
7.0Canada Cards ScoreVery goodEarn 5% Cash Back on gas and groceries for the first 6 months
Why get this card
- ✓Earn 2% on gas and groceries
- ✓4 insurance coverages
Pros
- +4 insurance coverages
Cons
- -$39 annual fee
- -High 21.99% purchase interest rate
Earn rates
- Gas and groceries2%
5% for the first 6 months (capped at $500/month per category), then 2%
- All other purchases1%
Welcome offer
Earn 5% Cash Back on gas and groceries for the first 6 months
- Bonus points
- —
- Minimum spend
- —
- Spend window
- —
- Offer ends
- —
5% cash back on gas and groceries for the first 6 months (capped at $500 in spend per category per month), then standard earn rates apply.
Fees
- Annual fee
- $39
- Additional card
- No fee
- Foreign transaction fee
- —
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- 22.99%
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 4
- Rental Vehicle Collision Damage Waiver
- Purchase Assurance (90 days, $60,000 lifetime limit)
- Extended Warranty (adds up to one year)
- Price Protection ($500 limit, $1,000 annual max)
Redemption & eligibility
- Reward currency
- MBNA Dollars
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- $50,000
- Min. household income
- $80,000
Personal income greater than $50,000 OR household income of $80,000 or more.
How we scored it
7.0Very good- Everyday earn rateWeight 30
2% on Gas and groceries
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$39 annual fee
- Benefits depthWeight 15
4 insurance coverages
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the MBNA Smart Cash World Mastercard worth it?
- It carries a $39 annual fee. Earn 2% on gas and groceries. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the MBNA Smart Cash World Mastercard?
- The annual fee is $39. The purchase interest rate is 21.99% and the cash advance rate is 22.99%. These are sourced from MBNA's official page.
- What rewards does the MBNA Smart Cash World Mastercard earn?
- It earns up to 2% on gas and groceries, in MBNA Dollars. See the full earn-rate breakdown above.
- What income do I need for the MBNA Smart Cash World Mastercard?
- MBNA lists a minimum personal income of $50,000 or household income of $80,000.
Official sources
Every figure on this page comes from MBNA's own pages. Last checked 2026-06-17.
- Product page: https://www.mbna.ca/en/credit-cards/cash-back/smart-cash-world-mastercard
- Application: https://apply.mbna.ca/applicationform/generateApplicationForm.htm?src=DABK99&locale=en_CA
- Disclosure PDF 1: https://www.mbna.ca/content/dam/mbna/document/pdf/credit-cards/mbna-acct-agreement-0322-en.pdf
Cited, never sponsored
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