MBNA Smart Cash Platinum Plus MASTERCARD Consumer Reviews
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Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
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Good value (no annual fee; free cards for family members) but difficult to find all the benefits. Monthly grocery maximum is $400 for rewards.
Due to the limitations based on purchases I have changed my way of purchasing to get the most. MBNA Smart Cash recently switched to Visa from Mastercard due to TD Bank. I purchase at No Frills which doesn't support Visa. I purchase at Walmart Supercentre but recently it was not recognized as grocery for the 2%.
My new attack is using Rogers Mastercard at 1.75% and 4% on world purchases and yes I am a Rogers customer so no annual fee. Second is MBNA for gas purchases and lottery at Petro-Canada gas stations for their points as well until I reach the $400 MBNA limit for the month then switch back to Rogers.
I stopped using Capital One Cash because it has 1.5% for all purchases which is now behind Rogers. I always pay on time so no loss in penalty fees.