MBNA Smart Cash MC: *FREE* World Version available!

[P1x44r]

Thanks guys, this clarifies it.

[Jungle]

Good gosh, anyone get their card yet??

[blu3xtc]

I just applied for this card over the phone and the rep said the $600 cap is on a monthly basis. Is this true?

So say I earn $600 cash back at 3%, I will be back at 3% the following month and not 1%.

[djino]

Good gosh, anyone get their card yet??

Only 1 of us

They haven't even moved my credit over to the Smart Cash Card yet, so I know they haven't even begun to mail it out yet.

djino
"*sigh*"

[tng11]

My dad called me to tell me that some card has arrived for me in the mail, probably from MBNA as I'm not expecting anything else.

Too bad I'm not going home tonight so I have to wait until tomorrow.

[McMaggot]

I just applied for this card over the phone and the rep said the $600 cap is on a monthly basis. Is this true?

So say I earn $600 cash back at 3%, I will be back at 3% the following month and not 1%.

No. The $600 is spending limit / month that will earn you 3% cash back.

Let me put this other way, you buy $2000 worth of gas and groceries in a month, your RoR will be the following:

$0 - $600 -> 3%
$601 - $2000 -> 1%

In essence it is a reverse tier on a monthly basis where your return rate drops after reaching a certain amount.

[angel_wing0]

Only 1 of us

They haven't even moved my credit over to the Smart Cash Card yet, so I know they haven't even begun to mail it out yet.

djino
"*sigh*"

That will be done this sat (aka in 2 days). If it is not done then, u should call in.

[Yumeji]

I only called twice to apply for this card.

First time I called 1-877-228-6262 and waited for the main menu to show up, hit new applications then I was directed to a "Canadian speaking" rep. I said I wanted to apply for the new Smart Cash MC and he said he'll direct me to that department. Right away I knew I got transferred to the india call center but I decided to go through with it anyways. The indian rep didn't know what I was taking about even though I gave him the priority code.

Second time I called 1-888-876-6262 and another "Canadian speaking" rep answered. I told him I wanted to apply for the new smart cash card then he said "I will direct..". I interrupted him and said I was transferred before but the rep didn't know what I was talking about. I gave him the priority code "CGLE". The process took 5 minutes and I he said my card will arrive within 2 weeks. To everyone, make sure you say you called before and was directed to an outsourced call center but they didn't know what you were talking about.

I never applied for a credit card through the phone, I asked what my credit limit would be and he said it will be determined by a credit analyst within the next few days. I usually know my credit limit right away so is this normal procedure?

Thank you! I did exactly what you recommended and in no time completed the application process. I am now waiting for the arrival of my new Smart Cash card!

[brunes]

Also, it looks like Canadian Tire gas bars are part of the list for acceptable gas purchases.

So, in comparison with the GCR giftcard promotion, this nets you 5-7% back. May be worth it for the convenience.

No no.. you have it wrong because you can't use the card to buy from GCR or you won't get 3%. And GCR alone gives you 3.5%, so you are significantly behind here. Also CT does not give you CTmoney if you pay with a CC directly.

Smart cash card: 3% back on the gas.

Standard 1% back card: 1% back on GCR purchase, 3.5% back from GCR, 2%-3% back in CT money. Total is 6.5%-7.5%. Ahead: 3.5%-4.5%.

SPG card: 4%-6% back on GCR purchase. 3.5% back from GCR, 2%-3% back in CT money. Total is 9.5%-12.5%. Ahead: 6.5%-9.5%.

[Jungle]

No no.. you have it wrong because you can't use the card to buy from GCR or you won't get 3%. And GCR alone gives you 3.5%, so you are significantly behind here. Also CT does not give you CTmoney if you pay with a CC directly.

Smart cash card: 3% back on the gas.

Standard 1% back card: 1% back on GCR purchase, 3.5% back from GCR, 2%-3% back in CT money. Total is 6.5%-7.5%. Ahead: 3.5%-4.5%.

SPG card: 4%-6% back on GCR purchase. 3.5% back from GCR, 2%-3% back in CT money. Total is 9.5%-12.5%. Ahead: 6.5%-9.5%.

We went over this already..

[Jungle]

Only 1 of us

They haven't even moved my credit over to the Smart Cash Card yet, so I know they haven't even begun to mail it out yet.

djino
"*sigh*"

Sounds like they convert on Saturdays, then the mail goes out Monday.

[Octavius]

You're not a true RFDer unless you have the 'RFD Holy Trinity' which consists of:

1. Amex 2% Gold Cash Back
2. Citibank Enrich Platinum or MBNA Starwood Preferred Guest
3. MBNA Smart Cash

1) Got it
2) Got it
3) ...and Got it

Score.

[angel_wing0]

Sounds like they convert on Saturdays, then the mail goes out Monday.

that's right, and seriously, why Saturday of all days?

[strang]

I just made a 5 min call to the number behind my Premier Rewards Platinum card and they're shipping out my new card soon.

[timko]

I just applied for the card. Does anyone know what the process is to activate it?

I am getting it for the car rental insurance. It may not come until after I leave for my trip. So I might get my wife to activate it if it is an automated system and then bring the card when she arrives 2 weeks later.