Illustration, not the actual card design.
MBNA · Cash back
MBNA Smart Cash World Mastercard
Annual fee
$39
Market
Canada · CAD
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Every year
−$39
Costs $39 a year until your spending covers it.
Plus 9 benefits with no fixed dollar value, like Avis and Budget rental discount, Price Protection and Rental Car Collision Damage Waiver. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
No welcome offer right now. Offers come and go; the rates below are what this card earns every day.
What it earns
Cash back, straight onto your statement.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| GroceriesUp to $3,000/yr of spend | 2% back | 2¢ |
| Gas & FuelUp to $3,000/yr of spend | 2% back | 2¢ |
| Everything else | 1% back | 1¢ |
What else you get
Perks
- Avis and Budget rental discount
At least 10% off base rates in Canada and the U.S. and at least 5% internationally, at participating locations
- Price Protection
Refund of the difference if the same item is advertised in Canada for less within 60 days, up to $500 per item
Insurance · 7
- Rental Car Collision Damage Waiver
Damage or theft of a rental car, rentals up to 31 days, vehicles valued under $65,000
- Rental Vehicle Accidental Death and Dismemberment
Up to $200,000 for the primary cardholder and $20,000 for each other insured person in the rental
- Common Carrier Travel Accident Insurance
Accidental death or dismemberment as a passenger on a common carrier, up to $1,000,000
- Purchase Assurance
Theft or damage to items bought with the card, for 90 days from purchase
Show all 7Show fewer
- Extended Warranty
Doubles the manufacturer's warranty, up to 1 extra year
- Rental Vehicle Personal Effects
Loss, theft or damage to personal effects during an eligible rental, up to $1,000 per insured person
- Unexpected Return Home
Change fee or one-way economy fare home if an immediate relative dies during your trip, up to $2,000 per insured person
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by MBNA. Card and program names belong to their owners.
Details last checked Oct 10, 2026.