MBNA Smart Cash World® Mastercard®

MBNA Smart Cash World® Mastercard®

A credit card offering 2% cash back on gas and grocery purchases.

Take advantage of this limited-time welcome offer!

Welcome Bonus

Up to 150 $ cash back

Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

20.99 %

Cash Advance Rates

20.99 %

Balance Transfer Rates

20.99 %

Your Monthly Spending


This offer is only available to Quebec residents. If you live in another province or territory, 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 20.99% on purchases, 20.99% on balance transfers✪ and access cheques, and 20.99% on cash advances
  • Your personal annual income must be greater than $60,000, or your household annual income must be $100,000 or greater††††

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

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 on this MBNA credit card, please click on the Apply Now


Fees & Conditions

Personal Income $60,000
Household Income $100,000
Annual Fee $39
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rate (QC) 20.99%
Cash Advance Rate (QC) 20.99%
Balance Transfer Rates (QC) 20.99%


Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $35
  • Unlimited access = $350 (the value of 10 annual visits)


Welcome Bonus Up to $150 cash back
Minimum Spending Required $6,000
Minimum Spending Timeframe 180 day(s)


All Spending 1%
Drugstores 1%
Groceries 2%
Convenience Stores 1%
Gas 2%
Telecom/Internet 1%
Local Transport 1%
Streaming services 1%
Dining and Food delivery 1%
Online transactions 1%
Recurring Payments 1%
Office Supplies 1%
Travel 1%
Entertainment 1%


Common Carrier Travel Accident Insurance
Purchase Protection
Purchase Protection - Duration 90 day(s)
Extended Warranty
Extended Warranty - Duration 1 year
3.25 Milesopedia Rating