Amazing Offer: Get up to 130,000 points ($650) with this Card!
smart cash world en
MBNA Smart Cash World® Mastercard® – ROC
  • This offer is not available for residents of Quebec. For residents of Quebec, please click here.
  • Accelerate cash back on common purchases!
  • 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)
  • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 1% Cash Back‡ for all other eligible purchases
  • $39 annual fee
Value

$111

Welcome Bonus

up to $150 cash back

Best For

Annual Fee

$39

Terms

Terms of the offer

  • This offer is not available for residents of Quebec. For residents of Quebec, please click here.
  • Accelerate cash back on common purchases!
  • 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)
  • Get 2% Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 1% Cash Back‡ for all other eligible purchases
  • $39 annual fee
  • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • A suite of comprehensive insurance**
  • Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater††††

 

Personal Income $60000
Household Income $100000
Annual Fee $39
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 24.99%
Balance Transfer Rates 22.99%
Welcome Bonus up to $150 cash back
Minimum Spending Required $6000
Minimum Spending Timeframe 180
Rewards Type Cash Back
Loyalty Program Pas de programme
All Spending 0.01
Travel 0.01
Local Transport 0.01
Restaurants 0.01
Groceries 0.02
Convenience Stores 0.01
Gas Stations 0.02
Pharmacies 0.01
Office Supplies 0.01
Telecom/Internet 0.01
Food Delivery 0.01
Entertainment 0.01
Recurring Payments 0.01
Lounge Access No
Costco Yes
Value

Offer Value according to milesopedia

For all the credit card offers, we estimate the first year Offer Value according to:

  • Value of the Cashback or Points earned with the Offer
  • Value of the Benefits or travel credits earned with the Offer
  • Annual fee offer (first-year rebate or not)

 

Offer Value calculation
for the first-year
Point Value (according to milesopedia) 1.0 ¢
Welcome Offer Value ≈ $150
Annual fee $39
Estimated Value ≈ $111

 

 

Auto Rental Loss/Insurance Yes
Auto Rental Loss/Insurance - Details Save more when you rent a car, with insurance for collision, personal effects and more.
Purchase Protection Yes
Purchase Protection - Duration 90
Extended Warranty Yes
Extended Warranty - Details Doubles the written warranties for up to one additional year on most new purchases made with your MBNA credit card.
Extended Warranty - Duration 1

Suggested Reading

Featured Register
How to register an Enterprise with the Quebec Enterprise Register (REQ)?
Save Hotel Featured
Earn points now for free nights in 6 months and more!