I was surfing RFD today, and one of the threads caught my interest because it involved getting even more value out of the MBNA Smart Cash card.  I know that a lot of MDJ readers are MBNA Smart Cash credit card users because it is among the top credit cards in Canada.

I use the Smart Cash card as my primary credit card because it is free, and they offer 3% cash back on gas/groceries where most of our spending occurs and 1% on everything else.

While they offer some of the best value, they have upped the ante again by offering even more cash back!  When you shop at their specified retailers online with your Smart Cash card they will offer additional cash back on top of their the regular 1%.  I was skeptical at first, but the list of retailers are quite impressive.  Some of the key retailers I noticed were:

  • Apple Online Store 1%
  • Avis Rent a Car 3%
  • Bed Bath Store 3%
  • Budget Rent a Car 4%
  • Dell Canada 1%
  • Expedia.com/ca 2%
  • Groupon 3%
  • Home Depot.ca 2%
  • Hotels.com 4%
  • Hotwire 3%
  • Indigo Chapters 3%
  • Kobo Canada 9%
  • Lenovo Canada 2%
  • Netflix Canada $7.20 Cash Back per new membership
  • Old Navy Canada 2%
  • Priceline 3%
  • Sears Canada 2%
  • Sony Canada 3%
  • SporkChek.ca 4%
  • Thrifty Car Rental 2%
  • TurboTax 9%
  • Walmart Canada 1%

You can see a complete list of retailers here.

For example, say you purchased a winter jacket at SportCheck.ca for $300.  With the Smart Cash card, you would normally get $3 (1%) cash back.  With the new rewards, you will get $12 (4% total) back instead!

How does it work?

Simply login to your MBNA account, click on the “rewards” tab, then “exclusive offers”.  From there, you’ll be taken to the eMall where you can choose your retailer.

Make sure to click through on the retailer link prior to shopping because it’s the only way MBNA can track the rebate.  The alternative is to go to the Smart Cash Mall directly, and sign in from there (requires a bit more login info).

More Info

Here’s a comparison of the best cash back credit cards in Canada with no annual fees and a detailed review of the Smart Cash Credit card.

Disclaimer:  We are NOT affiliated with the Smart Cash Mall

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This is a nice benefit of the card. The payments are about the same as using GCR or Ebates but it is good that it is integrated with the card.

Priceline at 3% is a nice bonus.

Yes, this is obviously an affiliate partnership that MBNA has set up similar to Great Canadian Rebates (GCR), AirMilesShops, or Aeroplan eStore.

It would be really nice if you could combine cash back or points from one of those places with this offer from MBNA but it’s obvious that you can’t because you have to click through directly from MBNA’s referral site. If it was an automatic credit just for using the card, then stacking might be possible. Too bad.

For convenience, can I not just click every link right now and have the cookies ready, rather than just visit this site?

I used to love PC Mastercard until I found out about MBNA Mastercard. The rewards are amazing – I even received $60 just for signing up! How amazing is that? The 5% cashback is a bit misleading (since it’s only for the first 6 months), but besides that this is totally my favourite credit card.

@SC (#3): “The 5% cashback is a bit misleading (since it’s only for the first 6 months)…”

Not misleading at all as it is clearly stated in the very first point on their application site:

It also states so in the contract.
Please tell me you read the contract before you signed anything.

(And we all know MNBA is actually TD now?)

I had an MBNA platinum plus MC (the one offering 1% cash bank I think) and had never used it so decided to close the account. When I called the CSR at MBNA offered to convert the same card to Platinum Plus rewards card with 2% cash back on everything. She mentioned that this card was not available online on their website and was exclusive (maybe to the retention). I am wondering that this would work out to be a better deal than Smard Cash card as one would get 2% on everything without any CAP whereas in Smart Cash you only get 3% (after 6 months) on a maximum of $600 and thereafter 1%. If you factor into account that every now and then you would be spending on big ticket items and stuff aside groceries/gas…..the 2% flat return would average out to be more than what SC offers.

Any thoughts/comments anyone?

, yes that could very well be an option as I don’t think any other card is offering 2% cash back for what I would term as ‘General Purchases” (maybe scotiabank card). Currently I am using TD Infinite Visa and the return on that one works out to 1.5%.

FT, if you were browsing RFD, then you probably saw the thread on Scotiabank’s new Amex cards too. Since you can get 4% return on a wider selection of purchase categories than SmartCash, it might be better value for some people even after paying the annual fee. But of course it’s Amex, which has crappy acceptance rates. If you want, I can write up a review for you!

It’s nice to read that exist a great cash-back cards like this!
Unfortunately I’m in Europe and I didn’t find a similar cash-back card until now :(

Wow – I missed that thread entirely. Thanks for pointing it out FT. We use both the SmartCash and the Capital One World Aspire. Not sure the C1 is worth it in year two however.

Terrific information. We have been using MBNA SC for quite awhile and like the receiving the reward cheques. I just compiled our spending on the card for the period Jan/12 — Sept 7/12 and we spent $5271 and earned 10894 points.
On the same spending dollars with a 2% SM card the reward would have been 10542 points. As the 2% card is “special” issue the regular SC card will be satisfactory for us.
In regard to this new Scotia Air Miles card I can only say it does not interest me inasmuch as Air Miles rewards have become IMO, useless. I have been a Gold Collector for 10plus years and redemption on useful items ie: Shell Certificates, Metro certificates for example are gone now. You must convert to the new Cash rewards. The main problem I find is Shell gas and Metro groceries are more expensive so there really is “no” reward. Travel rewards are difficult to redeem and again you have to want to travel. With MBNA SC the “cheques” are in the bank regularly. IMO.

@gopal & . My wife thinks this combo idea is quite unique after she reviewed my post and your suggestions. How would either of you suggest a person could obtain this MBNA SC 2% card?

@tp 1943 & FT : well the CSR mentioned that this 2% CB card is not available on their website and hence you cannot apply online. So I assume its something they probably offer as retention if one calls to cancel. I do remember confirming that the points can be redeemed as CB on statement or travel. Maybe worth Calling them to find out if they give you the same offer.