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MBNA

MBNA Smart Cash Platinum Plus Mastercard

Start with 5% cash back on gas and groceries for first 6 months.

Apply at MBNACalculate my rewards
Annual fee
$0
Reward type
Cash Back
Typical credit · 600+
MBNA Smart Cash Platinum Plus Mastercard⛽ Gas & Grocery

Welcome bonus

New cardmembers can earn 5% cash back on gas and groceries for first 6 months by completing the steps below.

How to earn it

  • 5% cash back on gas and groceriesFirst 6 months after account opening, up to $500 monthly spend cap

New cardholders only. Applies to eligible gas and grocery purchases within first 6 months of account opening, subject to monthly spend cap.

How you earn

  • 5% cash back on eligible gas and grocery purchases during the first 6 months (welcome offer, capped at $500 monthly spend)
  • 2% cash back on gas and grocery purchases after welcome period (capped at $500 monthly spend)
  • 0.5% cash back on all other eligible purchases with no category restrictions
  • Cash back is earned as MBNA Dollars and can be redeemed as statement credit or cash equivalent
  • No annual fee, making it a cost-neutral cashback accumulation product for everyday spend

Built-in perks & coverage

Purchase assurance coverage

Covers eligible items against loss, theft, or damage for up to 90 days from purchase when paid with the card.

Extended warranty protection

Extends manufacturer warranties by up to one additional year on eligible items purchased with the card.

Emergency card replacement

Provides replacement card issuance within 7–10 business days in case of loss or theft.

Payment flexibility via MBNA Payment Plan

Allows eligible purchases over $100 to be converted into fixed monthly installments (6, 12, or 18 months).

No annual fee structure

Card has no annual fee, making it a low-cost tool for cashback accumulation.

Mastercard Zero Liability protection

Protection against unauthorized transactions when card security conditions are met.

The verdict

What we like

  • No annual fee makes it a cost-neutral cashback accumulation product
  • Strong 5% introductory cash back on gas and groceries (first 6 months)
  • Simple cashback structure with no redemption complexity

Worth noting

  • Low $500 monthly cap severely limits high-spend value capture
  • Earn rate drops significantly after welcome period (2% then capped)
  • Limited rewards beyond gas and groceries reduces long-term flexibility

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