{"id":818042,"date":"2019-11-25T10:15:08","date_gmt":"2019-11-25T15:15:08","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=818042"},"modified":"2026-05-08T05:09:11","modified_gmt":"2026-05-08T09:09:11","slug":"mbna-smart-cash-platinum-plus-mastercard-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\/mbna-smart-cash-platinum-plus-mastercard-review","title":{"rendered":"MBNA Smart Cash Platinum Plus Mastercard review"},"content":{"rendered":"<p class=\"p1\">The MBNA Smart Cash Platinum Plus Mastercard is a fee-free card offered by MBNA bank. Earn 2% on gas and groceries (up to $500 monthly spend cap), and earn 0.5% on all other eligible purchases.<h3>30-second take<\/h3><ul class=\"list-1\"><li>Think about this card if you want to get a decent return on cash back for no annual fee.<\/li><\/ul><ul class=\"list-12\"><li>Choose something else if you want low interest or comprehensive benefits.<\/li><\/ul><ul class=\"list-2\"><li>There is no minimum annual income needed to qualify for this card.<\/li><\/ul><h3>The basics<\/h3><p class=\"p1\">If you want a no-frills credit card that will let you earn cash back on every purchase you make, then you might like to check out the MBNA Smart Cash Platinum Plus Mastercard.<\/p><ul class=\"list-10\"><li class=\"p1\"><strong>No annual fee.<\/strong> There&#8217;s no annual fee to maintain this card.<\/li><li class=\"p1\"><strong>Accelerated cash back.<\/strong> Get an accelerated cash back rate when you shop for daily purchases.<\/li><li class=\"p1\"><strong>Welcome offer.<\/strong> Earn 5% cash back on eligible gas and groceries purchases in your first six months.<\/li><li class=\"p1\"><strong>Purchase assurance.<\/strong> Get 90 days<br \/> protection against loss and damage on products you purchase with your card.<\/li><li class=\"p1\"><strong>Extended warranty coverage.<\/strong> Get up to an additional year added to your manufacturer\u2019s warranty when you buy eligible consumer goods.<\/li><li class=\"p1\"><strong>Additional cards.<\/strong> There&#8217;s no fee for additional cards and you can add up to 9 on your account.<\/li><\/ul><h3>The perks<\/h3><ul class=\"list-4\"><li class=\"p1\"><strong>Car rental discounts.<\/strong> Get a discount on any vehicle you rent through Avis or Budget.<\/li><li class=\"p1\"><strong>Enhanced security.<\/strong> Protect your purchases with security features like PIN and chip technology and online verification codes.<\/li><li class=\"p1\"><strong>Zero liability insurance.<\/strong> Avoid paying for fraudulent purchases on your account with Zero liability insurance.<\/li><li class=\"p1\"><strong>Reliable customer support.<\/strong> Contact MBNA at any time of day or night to speak to a customer service rep about your account.<\/li><li class=\"p1\"><strong>Trip assistance.<\/strong> Call in for specialized assistance with lost items (like tickets, luggage or credit cards) when you travel overseas.<\/li><li class=\"p1\"><strong>Easy to qualify.<\/strong> You won&#8217;t have to meet any minimum income requirements to qualify for this card.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-3\"><li class=\"p1\"><strong>High interest.<\/strong> You&#8217;ll pay 21.99% interest on purchases and 22.99% on cash advances.<\/li><li class=\"p1\"><strong>Earning caps.<\/strong> There\u2019s a $500 monthly spending cap that limits the accelerated rate you can earn on gas and groceries.<\/li><li class=\"p1\"><strong>Maximum bonus.<\/strong> You&#8217;ll only be able to earn a maximum of $150 with the welcome bonus offer before you&#8217;re downgraded to a reduced rate.<\/li><li class=\"p1\"><strong>Few benefits.<\/strong> This card doesn&#8217;t offer comprehensive benefits like travel insurance, mobile device protection or roadside assistance.<\/li><\/ul><h3>MBNA Smart Cash Platinum Plus Mastercard interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Type<\/b><\/th><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Rate<\/b><\/th><\/tr><\/thead><tbody><tr><td>Purchase interest rate<\/td><td>21.99%<\/td><\/tr><tr><td>Cash advance rate<\/td><td>22.99%<\/td><\/tr><tr><td>Standard balance transfer rate<\/td><td>22.99%<\/td><\/tr><\/tbody><\/table><h3>What should I know before I apply<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Eligibility requirements<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">To apply for an MBNA Smart Cash Platinum Plus Mastercard, you need to meet the following criteria:<\/p><ul class=\"list-7\"><li>Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces).<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Required documents and information<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul class=\"list-7\"><li>Your name, residential status and contact information.<\/li><li>Your social insurance number and date of birth.<\/li><li>Your email address and phone number.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><h3>How to apply<\/h3><ol><li class=\"p1\">Head to the MBNA website to begin your application.<\/li><li class=\"p1\">Complete the application, which includes providing your name, email address, social insurance number and birth date.<\/li><li class=\"p1\">Review and submit your application.<\/li><\/ol><h3>Bottom line<\/h3><p class=\"p1\">The MBNA Smart Cash Platinum Plus Mastercard lets you earn cash back on every dollar you spend on daily purchases. This card comes with a welcome offer and a handful of basic features for no annual fee. The downside is that you won&#8217;t get low interest or comprehensive benefits.<\/p><h3>Frequently asked questions about the MBNA Smart Cash Platinum Plus Mastercard<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Does the MBNA Smart Cash Platinum Plus Mastercard have a welcome bonus?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It sure does. You&#8217;ll earn an accelerated 5% cash back rate on gas and groceries in your first six months. Once you earn $150 in cash back at this rate, you&#8217;ll be downgraded to the normal 2% cash back rate for this spending category.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Are there monthly spending caps? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes. You&#8217;ll only earn accelerated cash back rates for gas and groceries on purchases up to $500 each month. After that, you&#8217;ll earn a reduced rate of 0.5% cash back.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can my cash back dollars expire? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The short answer is no. As long as you keep your account open and in good standing, your cash back dollars won&#8217;t expire.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I apply online? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, you can apply by visiting the MBNA bank website.<\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Get a welcome bonus and earn cashback on every purchase you make with this fee-free card.\u00a0<\/p>\n","protected":false},"author":474,"featured_media":818052,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[100013],"tags":[],"asset_tag":[],"class_list":["post-818042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mbna"],"apple_news_notices":[],"yoast_head":"<!-- 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