MastercardFX: 2.5%Cash BackNo Annual Fee
MBNA / TD
MBNA Smart Cash Platinum Plus MC
Cash Back
First Year Bonus
~$325
Welcome Bonus
5% back (first 6 mo)
Annual Fee
$0
Spend Required
$500/mo (6 mo)
Apply via rebate portal
Get notified when this offer goes elevated
We'll email you if MBNA Smart Cash Platinum Plus MC runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Earn rates
2%
gas & grocery
0.5%
everywhere else
Points value: 0.5–5% cash back (2% ongoing on gas/grocery)
Transfer partners
Cash back — no transfer partners
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓Longest intro cash back period (6 months) of any no-fee Canadian card
- ✓Steady 2% on gas & grocery ongoing
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual fee$0
Foreign fee2.5%
Income req.None stated
ProgramCash Back
