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At a glance

  • Welcome offer: Earn 5% Cash Back on eligible gas and groceries purchases for the first 6 months†† ($500 monthly spend cap)
  • 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 BenefitsB
  • The MBNA Payment Plan can make it more convenient to pay for large purchases and manage your budget. Pay for eligible credit card purchases of $100 or over by making monthly payments. Choose from three Payment Plan terms: 6, 12 or 18 months. Conditions and fees apply. Use the payment plan calculator to find out how much you can save in interest.

More Card Benefits & Features

  • Emergency Services
    Certain services are available in case of emergency. Services include Emergency Card Replacement on a 7-10 day delivery or by courier.
  • Trip Assistance and Legal Assistance
    Features Include support for Lost Document and Ticket Replacement, Lost Luggage Assistance, Pre-trip Information and Legal Assistance.F
  • More Coverage and Support
    Our standard 1-hour Credit Line Increase Decisions during regular business hours and Cash Advances at banks and  ATMs worldwide.

  • 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.A
  • Extended Warranty Benefit
    Doubles the written warranties for up to one additional year on most new purchases made with your MBNA credit card.A
  • 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.
  • Save with Avis Rent A Car and Budget Rent A Car
    Use your MBNA credit card to save a minimum of 10% off the base rates12 in Canada and the U.S., and a minimum of 5% off the base rates12 internationally, on qualifying car rentals at participating Avis and Budget locations.
    Avis: You can reserve your Avis car rental by visiting Quote Avis Worldwide Discount (AWD) #C078405 at the time of reservation and charge the full rental to your MBNA credit card.
    Budget: You can reserve your Budget car rental by visiting Quote Budget Customer Discount (BCD) #A331704 at the time of reservation and charge the full rental to your MBNA credit card.

  • Mastercard® contactless
    Simply tap your Mastercard® at participating merchants to process payments safely and wirelessly— letting you keep your credit card in your hands at all times. Use your Mastercard® at millions of international locations where Mastercard® contactless is accepted.
  • 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.
  • Card Verification Code (CVC)
    All our credit cards use a CVC code that can normally be found on the signature strip on the back of a credit card (the last 3 digits). The purpose of this is to verify that the genuine credit card is being used to make the purchase.
  • Chip & PIN
    All of our cards are Chip & PIN enabled, which is one of the most secure ways to pay by credit card. Instead of a signature, you will be asked to enter a 4-digit Personal Identification Number (PIN) that is to be known only by you. Learn more about Chip & PIN.

Find out more about MBNA Credit Cards

How to apply for a credit card

Apply Online

You've found the right fit. Apply for your new card using our simple and secure online credit card application.

More information about MBNA Smart Cash World Mastercard®

Have a question? Find answers here