MBNA Smart Cash Platinum Plus® Mastercard®

This offer is only available to residents of Canada other than the province of Québec (Québec residents eligible for separate offer).

Flytrippers opinion:
Flytrippers Valuation
of Welcome bonus (net value)
via MBNA secure application link
$ 150

Rewards: $150*

Card fee: $0
Earn cash back


 How to unlock bonus
spend $500/month
for 6 months

()		 Card eligibility
minimum income required: $0

Welcome bonus eligibility
Terms and conditions apply. Flytrippers editorial opinion only. MBNA is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.
Flytrippers opinion:
Flytrippers Valuation
of Welcome bonus (net value)
$ 150

Rewards: $150*

Card fee: $0
How to unlock bonus
spend $500/month
for 6 months

()


via MBNA secure application link
Card eligibility
minimum income required: $0

Welcome bonus eligibility
Terms and conditions apply. Flytrippers editorial opinion only. MBNA is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

Summary of Flytrippers' review

WHY GET THIS CARD

  • Welcome bonus of $25
  • No foreign transaction fees
  • Easy-to-use fixed-value rewards applicable to any travel expense
  • Great earn rates (6% on certain groceries)
  • Excellent insurance coverage

WHO SHOULD GET THIS CARD

  • Those who want one of the best earn rates in Canada
  • Those who don’t want to pay foreign transaction fees (especially those with frequent US trips)
  • Those who want points that are less valuable but way simpler
  • Those who want great insurance coverage with a low minimum income requirement
  • Those who want a welcome bonus with a low minimum spending requirement

How to learn more

Card details

Rewards from welcome bonus

You will have $25 as cash back after unlocking the welcome bonus.

That gives you:

  • $25 in free travel at the Flytrippers Valuation

Concrete examples of redemptions

Here are some of the actual redemptions you can get with these rewards:

  • $25 as a simple travel credit that can be applied to any travel expense booked with MBNA Rewards Travel

‣Learn more about the best uses of MBNA Rewards points (coming soon)

Structure of the current increased offer

$25 in cash back Welcome bonus after spending $500 in 6 months

‣Apply for the MBNA Smart Cash Platinum Plus® Mastercard®

Also offered but not included in our Flytrippers Valuation:
5% cash back on groceries and gas for 6 months (capped at $500/month)

Flytrippers Valuation of the welcome bonus

$25 Welcome bonus (5% cash back on $500)
–$0 Card fee (Deducted from Valuation)

$25 in net value

‣Learn more our Flytrippers Valuation of welcome bonuses

Earn rates

5% cash back per $:

  • eligible gas
  • grocery purchases

Applies to the first 6 months: 2% cash back per $ in those categories thereafter.

0.5% cash back per $:

  • everywhere else

Cash back maximum 5%/$ (and 2%/$ after 6 months) rate applies on up to $500 in the applicable month

Earning with additional cards

Fee for additional cards: $0
Quantity allowed: N/A
Minimum age: N/A

‣Learn more about additional cards (coming soon)

Birthday Bonus Points
Each year, you get 10% of the points earned in the 12 months before your birthday month as a bonus.

‣Learn more about the MBNA Birthday Bonus (coming soon)

Insurance included

Car rental insurance
Purchase protection
Extended warranty

‣Learn more about the MBNA Smart Cash Platinum Plus® Mastercard®‘s insurance coverage (coming soon)

Insurance not included

Medical travel insurance
Flight delay insurance
Baggage & personal effects insurance
Trip cancellation insurance
Trip interruption insurance
Travel accident insurance
Hotel burglary insurance
Mobile device insurance

‣Learn more about the different types of insurance coverage (coming soon)

Redemptions
MBNA Rewards points can be used as a simple travel credit (which can be applied to any travel expense booked through the MBNA Rewards Travel site).

‣Learn more about the MBNA Rewards program (coming soon)

Value
MBNA Rewards points are fixed-value rewards (fixed value of 1¢ per point).

‣Learn more about the value of MBNA Rewards points (coming soon)

Expiry
MBNA Rewards points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.

‣Learn more about MBNA Rewards points expiry (coming soon)

Pooling
It’s not possible to pool MBNA Rewards points with travel companions.

‣Learn more about pooling rewards (coming soon)

Transfers
MBNA Rewards points cannot be transferred to more valuable rewards programs.

‣Learn more about point transfers (coming soon)

Other redemption options
MBNA Rewards points can be used for rewards other than travel, but this should be avoided.

‣Learn more about why you should always use your rewards for travel (coming soon)

Rewards program logistics
You can use your points directly on the MBNA Rewards website.

‣Learn more about how to get started with MBNA Rewards (coming soon)

Rewards program summary
Rewards: MBNA Rewards points
Type: Fixed-value rewards
Subtype: “Standard” fixed-value rewards
Variety: Bank rewards
Flytrippers Valuation: 1¢ per point
Minimum value: 1¢ per point
Maximum value: 1¢ per point
Transferable: No

‣Learn more about rewards programs basics (coming soon)

Card eligibility
Minimum personal/household income: $0
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: TransUnion Canada

‣Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
Open to Canadian residents who are of the age of majority in their province/territory of residence.

‣Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
Offers subject to change at any time.

‣Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details
Issuer: MBNA (Canada)
Network: Mastercard
Card Type: Credit card
Product Type: Personal card

‣Learn more about credit card types (coming soon)

Fees and rates
Card fee: $0/year
Fee for additional card: $0
FX fee: 2.5%
Purchases annual interest rate: 21.99%
Cash advance annual interest rate: 22.99%
Balance transfer annual interest rate: 22.99%
Cash advance fee: $5
Balance transfer fee: $5
Return payment fee: $48

‣Learn more about why Flytrippers recommends ignoring fees and rates (coming soon)

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 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances

Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee.

‡, ††, ✪, ***, 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.

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

APPLY NOW

via MBNA secure application

*Beta version of card page. Sign up to get updated guide soon.*

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All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

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