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Pros & Cons
Pros
- +Welcome Bonus: Up to $150
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
The MBNA Smart Cash® World Mastercard® is one of the best cash back credit cards in Canada.
With this card, you can earn 2% Cash Back on:
- Gas purchases
- Grocery purchases
Up to a $500 monthly purchase cap, plus 1% Cash Back on all other eligible purchases.
For a limited time, you can earn 5% Cash Back on eligible gas and grocery purchases for the first 6 months, a $150 value.
This is the World version of the Smart Cash card: for a $39 annual fee, it doubles the base cash back rate (1% instead of 0.5%) on all other eligible purchases compared to the no-annual-fee Platinum Plus version.
Rewards
All Spending
1x
Cash Back pts per dollar
Groceries
2x
Cash Back pts per dollar
Gas
2x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$408
$/yr
Estimated Value
$408
After Fees
+$369
1st Year Value
$519
incl. welcome bonus
Annual rewards breakdown
- Earn $150 Cash Back
Travel Insurance
Travel Accident
Included
Purchase Protection
Purchase Protection
Up to $0 / 90 days
Extended Warranty
+1 year(s)
Auto Rental
Included
Fees and interest rates
- Annual Fee$39
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%Quebec21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Eligibility
Personal Income
$50,000
Household Income
$80,000
Terms & Conditions
Card Features
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 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances (Quebec residents: 21.99% on balance transfers and cash advances)
- Your personal annual income must be over $50,000, or your household annual income must be $80,000 or more††††
Enjoy a card offering cash back on eligible purchases. Apply now for the Smart Cash® World credit card.
This card is available across Canada. Quebec residents: apply here.
Legal
‡, ††, ††††, ✪, Terms and Conditions apply.
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.
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FAQ
What are the annual fees for the MBNA Smart Cash World Mastercard?
The MBNA Smart Cash World Mastercard has a low annual fee of $39.
What cash back does the MBNA Smart Cash World Mastercard offer?
The MBNA Smart Cash World Mastercard offers 2% cash back on gas and groceries (up to $500/month) and 1% on all other eligible purchases.
How many authorized users can be added with the MBNA Smart Cash World Mastercard?
With the MBNA Smart Cash World Mastercard, you can add up to 9 authorized users at no additional cost.
What is the required income for the MBNA Smart Cash World Mastercard?
The MBNA Smart Cash World Mastercard requires a personal annual income of $50,000 or a household income of $80,000 or more.
What car rental insurance does the MBNA Smart Cash World Mastercard?
The MBNA Smart Cash World Mastercard includes collision damage waiver with no deductible for rental vehicles.
What is the monthly cap for cash back with the MBNA Smart Cash World Mastercard?
The MBNA Smart Cash World Mastercard has a monthly cap of $500 for 2% cash back on gas and groceries.
How is cash back earned with the MBNA Smart Cash World Mastercard?
With the MBNA Smart Cash World Mastercard, cash back is directly credited to your account based on purchase categories.
What are the Mastercard World benefits with the MBNA Smart Cash World Mastercard?
The MBNA Smart Cash World Mastercard offers exclusive Mastercard World level benefits for cardholders.
Are there any geographical restrictions with the MBNA Smart Cash World Mastercard?
The MBNA Smart Cash World Mastercard can be used wherever Mastercard is accepted worldwide.
How to calculate potential cash back with the MBNA Smart Cash World Mastercard?
With the MBNA Smart Cash World Mastercard, use the online calculator to estimate your cash back based on your monthly spending.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 MBNA. All trademarks are property of their respective owners.