Smart Cash MasterCard® Credit Card

You will find that it is easy to earn money with the Smart Cash MasterCard from MBNA. Canadian financial customers could really enjoy a competitive cash back rate on gas and grocery purchases and a standard rebate for everything else. No annual fee and an attractive introductory balance transfer rate round off this card's coveted features.

	Intro APR  APR Annual Fee  1.99%* 19.99%* $0.00*
Basic Information
Issuer:	MBNA Canada
Card Network:	MasterCard
Card Category:	Consumer (Premium)
Card Type:	- Instant Decision Card - Reward Card
Credit Needed:	Good*
Top Card Review
There are many simple ways that you can benefit from Smart Cash MasterCard from MBNA. If you live in Canada and you desire a credit card with simple features, this might be the one. You could appreciate a 5% cash rebate on gas and groceries for the first 6 months, with a reverted rate of 3% after that. Otherwise this card bears a 1% rate on all purchases. No matter what you buy, from food, to housewares, to entertainment expenses and even bills, this card could be all that you need. This card also has no annual fee and an introductory balance transfer rate that could be next to nothing. You also have 21 days to pay your standard balance in full before any interest will start accruing.
Card rating:	(5 out of 5)
Most attractive features:	- 5% cashback - No annual fee - Platinum Plus benefits - PayPass secure
Least attractive features:	- No intro rates for purchases
Top Rewards & Benefits
Reward Types:	- CashBack Reward Cards - Other Reward Cards - Universal Reward Cards
Reward Unit:	Cash
Rewards:	- 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months - 3% cash back on qualifying net retail gas and grocery purchases thereafter - 1% cash back for all other qualifying net retail purchases
Expiration:	None*
Yearly Limit:	None*
Other Benefits:	- Online account related services - 24-hour customer service - Paypass *See website for additional benefits.
Online Card Account Access:
Top Card Finance & Rates
Introductory APR (%):	1.99%*
Applied Towards:	Balance Transfer, Cash Advance, Checks
Introductory Period:	10 months on BT*
APR on Purchases (%):	19.99%
APR Type:
Annual Fee:	$0.00*
Grace Period:	21 days*
Minimum Finance Charge:	$1.00*
Late Payment Fee:	$35.00*
Over Limit Fee:	$35.00*
Top Balance Transfers
Balance Transfer:
Transfer Fee (%):	1.00% of each balance transfer
Minimum BT Fee:	$7.50
Top Cash Advances
APR on Cash Advances (%):	19.99%
Cash Advance Fee (%):	1.00%
Minimum Fee:	$7.50
Top Other Fees
Additional Fees	Foreign Currency Conversion fee: 2.25% Returned payment: $20.00 per occurrence Returned cheque cash advance: $20.00 per occurrence Extra copy of monthly statement or sales draft: $2.50 Inactive credit balance: $25.00
Top Comments
Rebate details: Cheques will only be issued in $50 increments. You can earn the 5% bonus rate on the first $600 of eligible transactions per month for the duration of the bonus offer, and you'll earn 1% thereafter within any given month when you meet the maximum threshold.
Top Action
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* The information provided for Smart Cash MasterCard Credit Card is believed to be accurate at the time of evaluation (Sep 8, 2011). Please verify the terms and conditions for each provider to ensure accuracy of any information posted before applying for any product.

Security Note: Online application features Secure SSL Technology.