Pros & cons
Pros
- 5% cash back on gas and groceries for the first 6 months, up to $500 spent per month.
- Up to 2% cash back on purchases.
- 8 types of insurance.
Cons
- High income requirements of $50,000 personal or $80,000 household.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to an estimated $81.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With MBNA Smart Cash World Mastercard (QC), here's how you earn rewards:
- 2% cash back on gas and groceries , up to $500 in combined spend monthly
- 1% cash back on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For MBNA Smart Cash World Mastercard (QC) in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $300 |
Calculating your annual rewards
$24,000 annual spending x 1.25% return on spending = $300 annual rewards
$300 annual rewards − $39.00 annual fee = $261 net annual rewards
Details and eligibility
- Estimated Credit Score
- 725 - 759
- Personal Income
- $50,000
- Household Income
- $80,000
- Annual Fee
- $39.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance
- 21.99%
- Balance Transfer
- 21.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Price Protection
- Yes
- 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, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
MBNA Smart Cash World Mastercard (QC)'s 3.4 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Key benefits
‡, ††, ††††, ✪, Terms and Conditions apply.
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.
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