MBNA Smart Cash World Mastercard
Cash Back1.0¢ exact
$39 annual fee
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Mid-fee cash back card with 2% on gas and groceries, 1% elsewhere. Includes basic travel insurance. Reasonable everyday card if you don't want to chase categories.
Earn Rates
🛒 Groceries — Amex accepted2x⛽ Gas2x·Everything else1x
💡 2% cash back on gas and groceries (up to $500 monthly spend cap). 1% on all other purchases. 5% promotional rate on gas and groceries for the first 6 months.
Welcome Bonus
Smart Bonus Strategy — Earn 3,000 points
Spend $3,000 within 6 months
Minimum spend bonus
Spend $3,000 in 6 months
optimal stopcash back bonus+$150Min. spend earnings3,000 pts × 1.0¢+$30
Annual fee-$39
Net first-year value+$141
Compare to Similar Cards
MBNA Smart Cash Platinum Plus Mastercard
Cash Back1.0¢ exact
$0 annual fee
you could earn$377
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