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Canada · personal card · MBNA Canada

MBNA Smart Cash Platinum Plus Mastercard review

No-fee cash back card: 5% on gas and groceries for the first 6 months, then 2% (on up to $500 a month), and 0.5% on everything else.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
MBNA Smart Cash Platinum Plus Mastercard

Key facts

Issuer
MBNA Canada
Network
Mastercard
Annual fee
$0 (Up to 9 authorized users with no additional fee)
Welcome offer
5% cash back on gas and groceries for first 6 months (up to $500 monthly)
Purchase rate
21.99%
Cash advance rate
22.99%
Balance transfers
22.99%
Foreign transaction fee
Not stated
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Est. net value / yr
$312 ($312 rewards − $0 fee)

Rewards

No-fee cash back card: 5% on gas and groceries for the first 6 months, then 2% (on up to $500 a month), and 0.5% on everything else.

Earn rates the issuer states: base 0.5% · groceries 2% · gas 2% · everyday 0.5%. Gas and grocery earn limited to $500 monthly spend

How we put this page together

Every figure here was read on MBNA Canada’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Rates and fees may vary by region (page region selector; Quebec may differ). Foreign exchange fee and income minimums not stated unless listed.

Frequently asked questions

What is the annual fee on the MBNA Smart Cash Platinum Plus Mastercard?

$0 (Up to 9 authorized users with no additional fee), as read on MBNA Canada’s website on October 7, 2026.

Is there a foreign transaction fee on the MBNA Smart Cash Platinum Plus Mastercard?

The issuer’s page did not state a foreign currency conversion fee when we read it; check the cardholder agreement.

What income do I need for the MBNA Smart Cash Platinum Plus Mastercard?

The issuer’s page did not state a minimum income when we read it.

More MBNA Canada cards

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    Amazon.ca Rewards Mastercard MBNA Canada

    Net $300/yr

    Earns 2.5% back at Amazon.ca and Whole Foods Market for eligible Prime members (1.5% for non-Prime) and 1% everywhere else.

    Earn: base 1% · everyday 1%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $300
    Welcome offer
    5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for first 6 months on first $3,000
    Purchase rate
    21.74%
    Balance transfers
    22.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

    MBNA Rewards Platinum Plus Mastercard MBNA Canada

    Net $420/yr

    Earns 4 MBNA Rewards points per $1 on restaurant, grocery, digital media, membership and household utility purchases (first 90 days; 2 points thereafter) and 1 point on everything else.

    Earn: base 1 pts · groceries 2 pts · dining 2 pts · everyday 1 pts

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $420
    Welcome offer
    5,000 bonus points after $500 in eligible purchases within 90 days, plus 5,000 points for enrolling in paperless e-statements within 90 days
    Purchase rate
    21.99%
    Balance transfers
    22.99%
    Foreign transaction fee
    Not stated
    Apply on issuer siteCard detailsRead October 7, 2026
  3. #3

    MBNA Rewards World Elite Mastercard MBNA Canada

    Net $660/yr

    Earns 5 points per $1 on restaurant, grocery, digital media, membership and household utility purchases and 1 point on everything else, with a birthday bonus and rental collision coverage.

    Earn: base 1 pts · groceries 5 pts · dining 5 pts · everyday 1 pts

    Annual fee
    $120 ($120 primary / $50 additional cardholder)
    Est. net value / yr
    $660
    Welcome offer
    20,000 bonus points after $2,000 in eligible purchases within 90 days plus 10,000 points for enrolling in paperless e-statements (up to 30,000)
    Purchase rate
    21.99%
    Balance transfers
    22.99%
    Foreign transaction fee
    Not stated
    Apply on issuer siteCard detailsRead October 7, 2026
  4. #4

    MBNA Smart Cash World Mastercard MBNA Canada

    Net $369/yr

    Cash back card with 5% on gas and groceries for the first 6 months, then 2% (up to $500 a month), and 1% on everything else.

    Earn: base 1% · groceries 2% · gas 2% · everyday 1%

    Annual fee
    $39 (Up to 9 authorized users with no additional fee)
    Est. net value / yr
    $369
    Welcome offer
    5% cash back on gas and groceries for first 6 months (up to $500 monthly)
    Purchase rate
    21.99%
    Balance transfers
    22.99%
    Foreign transaction fee
    Not stated
    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.