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MBNA Smart Cash World Mastercard review
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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$39
Annual Fee
Up to 2% cash back
Rewards
Please note: All information about MBNA Smart Cash World Mastercard has been collected independently by Finder and this product is not available through this site.
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 Type | Interest Rate |
|---|---|
| Purchase interest rate | 19.99% |
| Cash advance rate | 24.99% |
| Standard balance transfer rate | 22.99% |
What should I know before I apply
How to apply
- Head to the MBNA website to begin your application.
- Complete the application, which includes providing your name, email address, social insurance number and birth date.
- 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.
