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MBNA Smart Cash Platinum Plus® Mastercard®

MBNA Smart Cash Platinum Plus® Mastercard®

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)

Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? From points, to miles, to cash back – how do you know how much you’re really getting? To help you find the best rewards card, we’ve created the Your Reward Return, an estimate on the dollar value of your rewards based on your monthly spend so that you can compare like for like. Now that’s wise thinking!
$0.00 19.99% 22.99% 24.99% Good 5.00% *maximum
  • Card Details Details

Card Details

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 19.99% on eligible purchases, 22.99% on balance transfers and access cheques, and 24.99% on cash advances

  • A suite of comprehensive insurance**


Take advantage of a card that provides Cash Back on eligible purchases and has no annual fee. Apply now for the Smart Cash® credit card.


Legal Details


These are highlights of the credit card rewards program (the ""Program"") associated with this credit card account. MBNA Dollars will be awarded on eligible transactions charged to your account. There is a monthly spend cap of $500 on the earn rate for eligible gas and grocery purchases. Once the monthly spend cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of MBNA Dollars, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.


†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. For the first six (6) months after the account is opened (the "Bonus Period"), eligible gas and grocery purchases will earn 5% in MBNA Dollars until the total gas and grocery purchases in the applicable month reaches $500 (the ""Gas and Groceries Monthly Spend Cap""). Once the Gas and Groceries Monthly Spend Cap has been reached, eligible gas and groceries purchases will only earn the Base Earn Rate. Please allow 8–10 weeks from the transaction date for bonus MBNA Dollars to be posted to your MBNA Dollars account. Limit one-time bonus MBNA Dollars offer per new account. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.


**Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) and/or American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened.


Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).


The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

Features and Benefits

  • Purchase protection and extended warranty
  • Rental vehicle insurance

Rate, product information and rewards estimate are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details

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