CCC
Back to Compare
Cash BackMastercard

MBNA Smart Cash World Mastercard

MBNA

3.1 / 5Rating

Low-fee cash back card with 5% intro rate on gas & groceries for 6 months, then 2% ongoing.

The MBNA Smart Cash World Mastercard is a MBNA Mastercard card with a $39 annual fee. It earns 2% cash back on Gas & groceries. Listed welcome offer value: Up to $150 in first 6 months.

Last updated October 8, 2026Source: issuer page

Key facts

Annual fee
$39
Purchase interest rate
21.99%
Cash advance rate
22.99%
Earn rates
2% cash back on Gas & groceries (Capped at $500/month combined spend); 1% cash back on All other purchases
Welcome offer
Up to $150 in first 6 months
Foreign transaction fee
Not listed
Income requirement
$50,000 personal, or $80,000 household

How this score is calculated

Formula
  • Net annual value(50%)4.0
  • Welcome bonus(15%)1.9
  • Foreign transaction fee(10%, dropped)—
  • Insurance & perks(15%)1.9
  • Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-08

Annual Fee

$39

Additional card: $0

Purchase Interest Rate

21.99%

Cash advance: 22.99%

Minimum Income

$50,000 personal

or $80,000 household

Foreign Transaction Fee

Not listed

What rewards does this card earn?

The MBNA Smart Cash World Mastercard earns 2% cash back on Gas & groceries.

Gas & groceries

Capped at $500/month combined spend

2% cash back

All other purchases

1% cash back

Is there a welcome offer?

Yes. The listed welcome offer value is Up to $150 in first 6 months.

5% cash back on gas & groceries for first 6 months (capped at $500/month combined spend). Paid as MBNA Dollars 8-10 weeks after transaction.

Value: Up to $150 in first 6 months

One-time per new account. May be amended or cancelled at any time.

Pros

  • Low $39 annual fee
  • 5% intro rate on gas & groceries for 6 months
  • Up to 9 authorized users free
  • Rental car and price protection insurance

Cons

  • $500/month cap on gas & grocery spend
  • 1% base rate is average
  • No travel insurance

What perks are included?

  • Low $39 annual fee
  • 5% on gas & groceries for first 6 months
  • Up to 9 authorized users at no additional fee
  • Rental Vehicle Collision Damage Waiver
  • Price Protection (up to $500/item, $1,000/year)
  • Min 10% off Avis/Budget in Canada/US (5% internationally)
  • MBNA Payment Plan for purchases $100+

What insurance is included?

Rental Car Insurance – Collision Damage Waiver
Purchase Assurance – 90 days
Extended Warranty – Up to 1 extra year
Price Protection – Up to $500/item

Frequently asked questions

What is the annual fee on the MBNA Smart Cash World Mastercard?

The MBNA Smart Cash World Mastercard has a $39 annual fee.

What rewards does the MBNA Smart Cash World Mastercard earn?

2% cash back on Gas & groceries (Capped at $500/month combined spend); 1% cash back on All other purchases

What is the purchase interest rate on the MBNA Smart Cash World Mastercard?

The purchase interest rate is 21.99%. The cash advance rate is 22.99%.

Is there a welcome offer on the MBNA Smart Cash World Mastercard?

5% cash back on gas & groceries for first 6 months (capped at $500/month combined spend). Paid as MBNA Dollars 8-10 weeks after transaction. Listed value: Up to $150 in first 6 months.

What income do you need for the MBNA Smart Cash World Mastercard?

Income requirement: $50,000 personal, or $80,000 household.

Last updated October 8, 2026Source: issuer page

Annual Fee

$39

Apply Now

On MBNA's secure website

Quick Facts

NetworkMastercard
Purchase APR21.99%
Cash Advance APR22.99%
Balance Transfer APR22.99%

More Cards from MBNA

MBNA Rewards Platinum Plus Mastercard

MBNA

No FeeMastercard
Apply