Annual Fee
$0
Extra Card Fee
$0
Card Type
Credit
Purchase
20.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
  • Accelerate cash back on common purchases!
  • No annual fee.
  • 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 0.5% Cash Back for all other eligible purchases.
  • Standard Annual Interest Rates of 20.99% on eligible purchases, 22.99% on balance transfers and access cheques, and 22.99% on cash advances.
  • A suite of comprehensive insurance.**
  • Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash® credit card.
This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $1,000,000
Trip Interruption $2,000
Rental Car Theft & Damage Yes
Rental Car Accident $200,000
Rental Car Personal Effects $1,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

‡ These are highlights of the credit card rewards program (the ""Program"") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the “Bonus Period“), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the ""Gas and Groceries Monthly Spend Cap""). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

**Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) and/or American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE IS NO FEE FOR THIS TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

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The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

* Conditions apply.

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