SMART CASH MASTERCARD CREDIT CARD
Smart Cash MasterCard Credit Card (Reward Credit Card)Mastercard
        
The Smart Cash card is available to Canadian residents and offers up to 5% in cash rebates on gas and grocery purchases for the first 6 months. You'll receive up to 3% in cash rebates on gas and grocery purchases thereafter, and up to 1% in cash rebates on all other purchases. You'll also get a 1.99% introductory interest rate on balance transfers and cheque cash advances for 10 months as well as platinum benefits that come with the card. Apply today for the Smart Cash card to get up to 5% cash back on purchases.
Location: Canada
Advantages:
1. 5% cash back on all of your gas and grocery purchases for the first 6 months 
2. 3% cash back on gas and grocery purchases thereafter 
3. And, you'll always earn 1% cash back on all of your other qualifying net retail purchases 
4. 1.99% annual interest rate (AIR) on balance transfers*, access cheques and deposits* for the first 10 full months 
5. Enjoy free online access to your credit card account
6. with no annual fee and free additional cards you'll start to see the benefits right away 
7. Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque - it's that simple
Disadvantages:
Transaction Fees
1. Wire transfer: 1% of wire purchase amount (minimum fee of $7.50)
2. Balance transfer: 1% of amount advanced (minimum fee $7.50)
3. Access cheque or deposit: 1% of amount advanced (minimum fee $7.50)
4. Cash advance: 1% of amount advanced (minimum fee $7.50)
Account Fees
1. Over the credit limit: $25.00 per billing cycle
2. Returned payment: $20.00 per occurrence
3. Returned access cheque: $20.00 per occurrence
4. Extra copy of account statement or sales draft: $2.50
5. Inactive credit balance: If your account is inactive and has a credit balance, we will charge you annually on the date that your account was last active the lesser of: (1) the credit balance; or (2) $25
Services:
Optional MBNA CreditWise® - Cover your account for up to 6 different benefits and a maximum policy coverage of $30,000!

APR: 19.99%
Credit Limit: Ask on application
Credit Rebuild: No
Chip and Pin: No
Under 18: No
SMS Banking: No

Fees: No annual fee
Cash Back: N/A
Cash Advances: 19.99%
Balance Transfer: 19.99%
New Purchase: 19.99%

Rewards: 1. 5% cash back on all of your gas and grocery purchases for the first 6 months 
2. 3% cash back on gas and grocery purchases thereafter 
3. And, you'll always earn 1% cash back on all of your other qualifying net retail purchases  
4. Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque - it's that simple
        

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