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 19.99% on purchases, 22.99% on balance transfers✪ and 24.99% on cash advances
Your personal annual income must be greater than $50,000, or your household annual income must be $80,000 or greater††††
Take advantage of a card that provides Cash Back on eligible purchases. Apply now for the Smart Cash® World credit card.
About This Card
The MBNA Smart Cash® World Mastercard® is a cash back credit card that allows cardholders to earn 5% cash back in the first six months on eligible gas and grocery purchases.
One thing to make note of is that there is a spending cap in place for eligible purchases: the max you can spend on gas and groceries and still earn 5% back is $500. If you exceed the limit, your earn rates drop to the base rate (more on that below).
Once the introductory period ends, cardholders get 2% cash back on gas and grocery purchases each month. They can also earn 1% cash back for all other eligible transactions.
There's also an annual fee of $39 and you must have a personal annual income of at least $50,000 — or a household annual income of $80,000 or more — to be eligible to apply.
The card does have a no-fee counterpart in the MBNA Smart Cash® Platinum Plus, but the latter won’t earn you cash back quite as quickly as the Smart Cash® World will; with the Platinum Plus version, you only early 0.5% on purchases other than gas and groceries.
The MBNA Smart Cash® World Mastercard® comes with comprehensive insurance coverage, protecting you in a range of situations. If an item you bought with the card is damaged or stolen within 90 days, you’re covered with MBNA’s purchase protection policy. And, if you're in a collision in a rental car, you may qualify for a damage waiver from MBNA.
The Smart Cash® World is also equipped with some interesting shopping benefits. For example, if you make a purchase on the card and later find the same item somewhere else at a lower price, MBNA will refund you the difference — up to $500 at a time. This perk only applies for items sold in Canada and there's a $1,000 annual cap.
With a purchase APR of 19.99%, a balance transfer APR of 22.99%, and a cash advance APR of 24.99%, the MBNA Smart Cash® World Mastercard®’s interest rates are pretty standard compared to the rest of the market.
As far as cash back credit cards go, this is a solid — albeit no-frills — offer from MBNA.
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 button.
Why get the MBNA Smart Cash® World Mastercard®?
Competitive introductory earn rate - Get 5% back on the first $500 you spend on eligible gas and grocery purchases per month, for the first six months.
Continue to earn cash back after you’ve hit the $500 cap - Once you’ve spent $500 each month, keep getting cash back at the base earn rate for all new purchases.
Protect your purchases - Enjoy comprehensive insurance for what you buy. Coverage is provided by Allianz Global Risks US Insurance Company.
Low annual fee - Pay only $39 per year to access cash-back opportunities.
Important Notice: Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement. Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
‡, ††, ††††, ✪, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
