Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.
Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the MBNA Rewards Platinum Plus Mastercard would earn $0 in rewards over the year and with the MBNA Smart Cash Platinum Plus Mastercard you would earn $0 in rewards.
When you spend using the MBNA Rewards Platinum Plus Mastercard you will earn points called MBNA.
When you spend using the MBNA Smart Cash Platinum Plus Mastercard you will earn points called .
We can also compare the MBNA Rewards Platinum Plus Mastercard vs MBNA Smart Cash Platinum Plus Mastercard based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the MBNA Rewards Platinum Plus Mastercard vs MBNA Smart Cash Platinum Plus Mastercard based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.
When it comes to fees, the MBNA Smart Cash Platinum Plus Mastercard is better than the MBNA Rewards Platinum Plus Mastercard.
Neither MBNA Rewards Platinum Plus Mastercard nor MBNA Smart Cash Platinum Plus Mastercard provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
Both cards have similar interest rates.
The MBNA Rewards Platinum Plus Mastercard charges 19.99 on your credit balance for purchases, which is the same as the interest rate on the MBNA Smart Cash Platinum Plus Mastercard.
It's worth noting that the MBNA Rewards Platinum Plus Mastercard has an interest rate of 22.99 on any balance you transfer to this card from another credit card. That rate is higher than the 22.99 that is charged on the MBNA Smart Cash Platinum Plus Mastercard. If you expect to transfer a balance to this card then the MBNA Smart Cash Platinum Plus Mastercard might save you a lot of money.
The MBNA Smart Cash Platinum Plus Mastercard gives you more insurance than the MBNA Rewards Platinum Plus Mastercard.
The MBNA Smart Cash Platinum Plus Mastercard includes 6 types of insurance, whereas the MBNA Rewards Platinum Plus Mastercard only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the MBNA Smart Cash Platinum Plus Mastercard is the better choice.
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The MBNA Rewards Platinum Plus Mastercard is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.
The MBNA Smart Cash Platinum Plus Mastercard is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.
