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MBNA Smart Cash World Mastercard review

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MBNA Smart Cash World Mastercard
Welcome Offer
5% cash back
Rewards
Up to 2% cash back
Annual Fee
$39
Purchase Interest Rate
19.99%
Cash Advance Rate
24.99%
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Summary

Get a generous welcome offer and a decent return on cashback when you sign up for this low-fee card.

If you want to earn a decent return on cash back when you spend money on your card, then you might like to check out the MBNA Smart Cash World Mastercard.

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The MBNA Smart Cash World Mastercard offers a decent return on cash back when you make purchases with your card. You can Earn 2% cash back for every dollar you spend on gas and groceries, along with 1% on everything else (conditions apply). This card also offers basic insurance and a welcome bonus.

30-second take

  • Think about this card if you want to earn cash back for a low annual fee.
  • Choose something else if you want low interest or comprehensive benefits.
  • You’ll need to have an individual income of $60,000 or a household income of $100,000 to apply for this credit card.

The basics

If you want to earn a decent return on cash back when you spend money on your card, then you might like to check out the MBNA Smart Cash World Mastercard.

  • Low annual fee. Pay only $39 per year to keep your account in good standing.
  • Cashback return. Earn 2% cash back for every dollar you spend on gas and groceries, along with 1% on everything else (conditions apply)
  • Welcome offer. Earn 2% on gas and groceries ($500 monthly spend cap), and earn 1% cash back on all other eligible purchases. Get 5% cash back on gas and groceries in your first 6 months, but beware the $500 monthly spending cap.
  • Purchase assurance. Protect the items you buy with 90 days
    purchase assurance and extended warranty coverage for up to 1 additional year
  • Free additional cards. Order up to 9 additional cards at no extra fee.

The perks

  • Car rental insurance. Get coverage on your rental vehicle in case of damage or collision.
  • Price protection. Get a partial refund if you purchase an item and then find the same item advertised at a lower price (up to $500 within 60 days of purchase)
  • Zero Liability insurance. Avoid paying for fraudulent activity on your account with Zero Liability insurance.
  • Enhanced security. Rest easy when you make purchases with security features like PIN-protected cards, contactless payment and online fraud prevention mechanisms.
  • Reliable customer support. Access free customer support at any time of day or night if you have questions or concerns about your account.
  • Trip assistance. Contact the on-call customer support team to get assistance with travel-related issues.

What to watch out for

  • High interest. You’ll pay as much as 19.99% interest on purchases and 24.99% on cash advances.
  • Earning caps. You'll only be able to earn higher rates on gas and groceries for amounts up to $500 per month (after which your earn rate will be 1%).
  • Few benefits. You won’t earn comprehensive benefits like travel insurance, mobile phone coverage or roadside assistance with this card.
  • High minimum income. You’ll need to make at least $60,000 per year to qualify (or $100,000 in household income).

MBNA Smart Cash World Mastercard interest rates

Interest TypeInterest Rate
Purchase interest rate19.99%
Cash advance rate24.99%
Standard balance transfer rate22.99%

What should I know before I apply

How to apply

  1. Head to the MBNA website to begin your application.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

Bottom line

The MBNA Smart Cash World Mastercard lets you earn a decent cashback return for making daily purchases on your card. It comes with a welcome offer and basic insurance for a low annual fee. The downside is that your earnings will be capped on your card and you won’t get comprehensive benefits or a low interest rate on purchases.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
21.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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