MBNA Smart Cash World Calculator: Cash Back Estimator & Card Rewards
Fees
Earning Rates
- Earn 2% cash back on gas station and grocery purchases, on up to $500 per month.
- Earn 1% cash back on all other purchases.
Main Benefits
- Enjoy car rental discounts with Avis and Budget
- Be protected with Rental Vehicle Collision Damage Waiver Benefits and purchase coverage including Price Protection
MBNA Smart Cash World Mastercard Calculator
Use this calculator to estimate how much cash back you can earn with the MBNA Smart Cash World Mastercard. It's ideal for maximizing gas and grocery spending with a strong introductory offer and tiered rewards.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Card Details
Earning Rates
The MBNA Smart Cash World Mastercard earns cash back at the following rates:
- 2% cash back on gas station and grocery purchases.
- 1% cash back on all other purchases.
Both 2% categories (gas and grocery) share a combined spend cap of $500 monthly. Once the cap is hit, you'll earn at a rate of 1% for the remainder of the month.
Key Benefits
Here are the main benefits of the MBNA Smart Cash World Mastercard:
- Avis & Budget Discounts: Save a minimum of 10% off the base rates in Canada and the U.S., and a minimum of 5% off the base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
- Travel & Purchase Insurance: Common Carrier Accidental Death & Dismemberment, Rental Vehicle - Collision Damage Waiver, Purchase Assurance, Price Protection Service, and Extended Warranty.
Fees
Annual Fee
The MBNA Smart Cash World Mastercard has a $39 annual fee.
Authorized User Fee
There is no fee to add authorized users (up to 9) to the MBNA Smart Cash World Mastercard.
Foreign Transaction Fee
The MBNA Smart Cash World Mastercard has a foreign currency conversion fee of 2.5%. This means you will be penalized when using this card to make purchases that are not in Canadian Dollars.