MBNA Smart Cash World Mastercard®
MBNA · MASTERCARD
The MBNA Smart Cash World Mastercard® is a credit card from MBNA on the MASTERCARD network. It has an annual fee of C$39. It earns 2% on gas & fuel, 2% on groceries, 1% on everything else. The welcome offer is Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months†† (until the total gas and grocery purchases in the applicable month reaches $500).
Key facts
- Annual fee
- C$39
- Purchase APR
- 21.99%
- Network
- MASTERCARD
- Welcome offer
- Welcome offer: Earn 5% Cash Back on gas and groceries for the first 6 months†† (until the total gas and grocery purchases in the applicable month reaches $500).
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Gas & fuel | 2% | Earn 2% on gas and groceries thereafter ($500 monthly spend cap) |
| Groceries | 2% | Earn 2% on gas and groceries thereafter ($500 monthly spend cap) |
| Everything else | 1% | Earn 1% Cash Back on all other eligible purchases |
Benefits and perks
- Earn 2% on gas and groceries thereafter ($500 monthly spend cap)
- Earn 1% Cash Back on all other eligible purchases
- Low Annual Fee of $39
- Add up to 9 authorized users with no additional annual fee for each added authorized user
- Includes Rental Vehicle Collision Damage Waiver Benefits
- Trip Assistance and Legal Assistance Features Include support for Lost Document and Ticket Replacement, Lost Luggage Assistance, Pre-trip Information and Legal Assistance.
- Purchase Assurance Covers for items purchased with your MBNA credit card for the first 90 days from the date of purchase. Lifetime total accumulative limit of $60,000 per account.
- Extended Warranty Benefit Doubles the written warranties for up to one additional year on most new purchases made with your MBNA credit card.
- Price Protection If you make a qualifying purchase with your card and find the same product advertised in Canada at a lower price within 60 days after purchase, the difference will be refunded, up to $500, subject to a calendar year maximum of $1,000 per account. Certain conditions and exclusions apply.
- Mastercard Zero Liability As a Mastercard credit card cardholder, you will not be responsible for unauthorized purchases made in store, over the telephone or online. Some conditions apply. See your Account agreement for details.
- Our catalogue of Mastercard products comes with a wide range of benefits and capabilities. There’s a Mastercard that’s right for you
- Have questions about how to apply for a credit card?
Rates and fees
Annual membership fee: C$39. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Balance transfer APR: 22.99%. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the MBNA Smart Cash World Mastercard®
What is the annual fee on the MBNA Smart Cash World Mastercard®?
The MBNA Smart Cash World Mastercard® has an annual fee of C$39.
What rewards does the MBNA Smart Cash World Mastercard® earn?
The MBNA Smart Cash World Mastercard® earns 2% on gas & fuel, 2% on groceries, 1% on everything else.
Is the MBNA Smart Cash World Mastercard® worth it?
The MBNA Smart Cash World Mastercard® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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