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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‡ on all other eligible purchases
  • $39 annual fee
  • Standard annual interest rates of 20.99% on purchases, 20.99% on balance transfers and 20.99% on cash advances
  • Important Notice: Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement
    • Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% on cash advances
  • Your personal annual income must be over $50,000, or your household annual income must be $80,000 or more††††

Take advantage of a card that provides Cash Back on eligible purchases. Apply now for the Smart Cash® World credit card.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

Legal

‡, ††, ††††, ✪, Terms and Conditions apply.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

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 about this MBNA credit card, 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.

Annual Fee
  • Primary card $39
  • Additional card $0
Annual Income Required
  • Individual $50,000
  • Household $80,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
    20.99 % (QC)
  • Cash Advance Rates 24.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries2%
  • Gas2%
  • All Spending1%
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration

Accelerate cash back on common purchases!

  • No annual fee
  • 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 0.5% cash back‡ on all other eligible purchases
  • Standard annual interest rates of 20.99% on eligible purchases, 20.99% on balance transfers and 20.99% on cash advances
  • Important Notice: Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement
    • Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% on cash advances

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for a Smart Cash Mastercard.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

Legal

‡, ††, ✪, Terms and Conditions apply.

This offer is reserved for residents of Quebec. If you live in another province or territory, click here.

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 about this MBNA credit card, 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.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
    20.99 % (QC)
  • Cash Advance Rates 24.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries2%
  • Gas2%
  • All Spending0.5%
Value
  • Year 1 $396
  • Year 2+ $246
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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