MBNA Smart card

[nwf1946]

Noticed a side link to this card again. This is a very good card for those with discipline. It is free, give 5% rebate on up to $600 spent on gas and groceries for each of the first 6 months(They automatically send $50 each time you earn it). They say 3% for on gas and groceries thereafter but I have found that with bonus points it stays near 5% all the time. 1% for all other goods so I only use it for gas and groceries. Not sure how they determine bonus points.

[tobiwobi]

I signed up for this card around the time airmiles devalued their points the last time, and now I'm using it exclusively, whereas before I used the free BMO airmiles card all the time. I get so much more out of it. Not sure how exactly they add up the points, but either way happy with how they've added up so far.

Not great terms if you do not pay off your balance in full each month. Those who do, this is the best card ever. I'm signing my dad up for it too, they spend a ton on groceries.

[nwf1946]

I have been using this in place of air miles whenever possible since air miles sucks

[he88]

I love this card to. Walmart supercenter considered as grocery store so everything there is 3% back (5% in first 6 month). Plus if you apply the card through a cash rebate site (PM me) can get you additional $60 signing bonus.

[elayjosh]

is there a limit to the rebate you can get?

[sweet sparrow]

is there a limit to the rebate you can get?

There's a limit on the 3% bonus of $600 per month. After that, your points go to 1%, like the return on Shoppers Optimum MC, PC MC, or WM MC. (I think WM may give you 1.25% return at WM though.)

[mulock]

I've been using this card for about 3 years now. Last year I earned $450 from MBNA last year I always love getting that envelope with the $50 check inside. I pay off my balance well in advance so they haven't earned a cent in interest from me.

[elayjosh]

There's a limit on the 3% bonus of $600 per month. After that, your points go to 1%, like the return on Shoppers Optimum MC, PC MC, or WM MC. (I think WM may give you 1.25% return at WM though.)

Thanks for the info!

[chillys-willy]

I love this card to. Walmart supercenter considered as grocery store so everything there is 3% back (5% in first 6 month). Plus if you apply the card through a cash rebate site (PM me) can get you additional $60 signing bonus.

Did not know this. I assumed I was only getting 1% there. This is good news.

[sweet sparrow]

Did not know this. I assumed I was only getting 1% there. This is good news.

You might have to check your statement. Not all Walmarts are considered eligible for the 3%, but most WM Superstores are. When our WM converted to a Superstore, I think it took a month or so for MNBA to recognize it as such. You can call to have your points adjusted in that case.

[nwf1946]

Did not know Walmart is considered a grocery store, thanks.

[sweet sparrow]

Did not know Walmart is considered a grocery store, thanks.

Just the Superstores, but some of the newer ones might not be added to the list yet. You can do a small shop there and check online to see if you got the bonus points. Some of the larger ones that sell groceries do not have the bonus.

[marstec]

I have been using this in place of air miles whenever possible since air miles sucks

Yeah, I switched to an RBC Infinite Avion after a couple of failed attempts at redeeming for flights on Airmiles. Now I only collect them when it's convenient, I never buy anything to get them specifically.

[peacestar]

I use this card for more than a year and Irecommend it. I also did a blog post on it - How to earn extra $60.00 rebate when you apply for the card.

http://canadianaccountanttips.blogsp...ffer-mbna.html

[jerrodmerit]

MBNA provides a wide range of credit cards to Canada customers, including rewards and affinities with sports, charity, college and professional groups.