A person with a decent credit score may easily get their first credit card with the Smart Cash Platinum Plus because there are no annual fees and no minimum income criteria. You will receive 5% cash back on gas and food for the first six months, up to $500 in monthly spending.
MBNA Smart Cash Platinum Plus®
No annual fee Cash backYour cash back benefits remain at 2% on petrol and groceries and 0.5% on everything else once you’ve earned that.
Other card details
For the first six months, MBNA extends a welcome offer of 5% cashback on qualified petrol and grocery purchases. However, after your purchases total $500, you’ll start earning basic cashback rates instead of the 5% bonus.
Then, there is a monthly maximum of $500 and you receive 2% cashback on qualified purchases like groceries and petrol. After spending $500, you will no longer be eligible for 0.5% cashback on qualified purchases like groceries and petrol.
Every time a new billing month begins, the cycle of 2% and 0.5% cashback resumes. You will receive 0.5% cashback on any other purchases.
Learn more about MBNA Smart Cash Platinum Plus Credit Card
The perks of this card go far beyond cashback deals. You receive protection for purchases, travel, and rental cars. If your bags, tickets, or papers are missing, help is provided. One of the cards that may be used everywhere is MBNA Smart Cash Platinum Plus.
This way, you may use it overseas without worrying about being turned away when traveling. You can contact MBNA representatives by phone at any time. For instance, you may phone in your request for a credit limit increase and have it processed within an hour. Additionally, the agents can transmit $5000 in emergency funds in case of a crisis.
Other Benefits of the Card
- For the initial Three months following the date of purchase, most things bought with an MBNA credit card are covered by Purchase Assurance. Limitation of $60,000 per client for the lifetime total cumulative amount.
- Benefit of Extended Warranties: Doubles written warranties on many new products bought with the MBNA credit card for up to an additional year.
- Avis Rent A Car and Budget Rent A Car: When you use your MBNA credit card to pay for eligible car rentals at participating Avis and Budget locations, you will receive discounts of at least 10% off the base rates in Canada and the United States and at least 5% off the base rates internationally.
How to apply credit card?
Applying for the MBNA Smart Cash Platinum Plus Credit Card is a straightforward process, tailored for those seeking a rewarding and convenient credit experience. Here’s a simple guide:
- Research: First, familiarize yourself with the card’s features. The MBNA Smart Cash Platinum Plus offers cashback rewards, making it an appealing choice for savvy spenders. Understand the terms, benefits, and any fees associated.
- Eligibility Check: Ensure you meet the eligibility criteria. This typically includes age, income, and credit history requirements. It’s important to have a good credit score to increase your chances of approval.
- Application Process: Visit the MBNA website to apply. You’ll need to provide personal and financial information, including your employment details. The process is user-friendly, ensuring high readability and ease of navigation.
- Document Submission: Submit any required documents promptly. This might include proof of income or identity.
- Wait for Approval: After submitting your application, there will be a processing period. MBNA will notify you of their decision.
Remember, applying for a credit card is a significant financial decision. Always read the terms and conditions carefully to ensure it aligns with your financial goals.
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