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Tag: Balance Transfer

MBNA Smart Cash MasterCard Credit Card Canada – MBNA Smart Cash Credit Card Review

MBNA Smart Cash MasterCard Credit Card Canada - MBNA Smart Cash Credit Card ReviewDo you like earning rewards on all of your everyday shopping need? MBNA Smart Cash MasterCard® Credit Card Canada is one of the best cash back credit card that let you save on your most common purchases. Household shopping is an essential and common between employees and business class where it offers up to 5% cash back on gas and groceries, that’s the reason saying MBNA Smart Cash MasterCard Credit Card Canada as a credit card for all may not be wrong. MBNA Smart Cash Credit Card Review supports household shoppers, here’s are some card details;

  • Get up to 5% cash back on eligible gas and grocery purchases for the first 6 months.
  • Get up to 2% cash back on eligible gas and grocery purchases thereafter*
  • Get up to 1% cash back for all other eligible purchases*
  • 1.99% promotional annual interest rate* (AIR) on balance transfers* for the first 10 full months
  • If eligible, you will be considered for an upgrade to a Smart Cash World MasterCard® credit card
  • No annual fee

MBNA Smart Cash Credit Card Review

If you like earning rewards on your everyday purchases then MBNA Smart Cash Credit Card may be your best deal. You will earn 5% cash back every time you visit the grocery store or fill up at the gas station – one of the highest cash back earning rates in Canada. MBNA Smart Cash MasterCard® Credit Card let you entitles cash back rewards at this special rate for the first six months on all gas and grocery purchases then after it drops to standard two per cent rate after initial promotional period of 6 months. The MBNA Smart Cash Credit Card also offers 1% cash back on all other purchases. Once your earnings reach $50 MBNA will cut and mail a cheque to you as a cardholder.

Here are two awards that MBNA Smart Cash Credit Card won last year:

  1. Best of Finance 2015; 3-Peat Winner for “Best Cash Back Credit Card
  2. Best of Finance 2015; Runner Up for “Best Cash Back Credit Card in Canada

There is nothing that don’t holds disadvantages with the advantages, MBNA Smart Cash MasterCard Credit Card Canada may also offer you some features that you don’t like, it’s up to you to find out your favorite features that suits you before taking decision to get the right credit card according to your need. Here’s are some pros and cons of having this credit card;

Pros

  • No annual fee
  • Receive 5% cash back on gas and groceries for the first six months.
  • Earn 2% cash back standard rate on gas and groceries after six months.
  • 1.99% intro Balance Transfer Rate for the first 10 months.
  • Receive a cheque by mail for your earnings reach $50

Cons

  • Your cash back earnings will drop 3% after initial 6 month promotional period as cash back drop at standard 2% cash back.
  • 1% earning rate on other purchase types is lower than similar cashback cards in the market.
  • It doesn’t include any built-in insurance benefits or retailer discounts.
  • Rewards can only be cashed out at a minimum of 50 dollar.

Conclusions and Suggestions

There is no doubt about the MBNA Smart Cash MasterCard being the best Canadian Cash Back Credit Card but taking decision is a real challenge especially when market offers variety of cash back credit cards and if you compare; 5% cashback on all gas and grocery purchases within the first 6 months is one of the top features of the MBNA Smart Cash MasterCard Credit Card Canada that makes it one of the best cashback credit cards with no annual fee among its competitors, as this rate just come down to standard 2% cash back after 6 months, to enjoy full benefits of this offer you should confirm your card’s intro period should cover the holiday season and special occasions when your spending increased a lot because this way you can earn more cash back. Moreover, 1.99% balance transfer rate for the first 10 months is another top features of this card but before activating this feature you should keep in mind; it will waive the initial grace period on new purchases; being charged interest right away will wipe out your cashback earnings.

*For more information, updates and how they did it; cash back earnings on food, gas, travel and other things, you should click here to read the landing page that holds official credit card offer for; MBNA Smart Cash MasterCard® Credit Card.


Balance Transfer Credit Cards Canada An Overview

What Is A Balance Transfer Credit Card?

Simply put, a balance transfer credit card allows you to transfer your card balances over from your other credit cards. Through this transfer you can save money on the APR. If you can consolidate all your balance to a single credit card, you can easily keep track of your debt.

Why Should I Transfer My Balances To A New Credit Card?

Balance Transfer Credit Cards Canada, when used correctly, can help you save money. Most people keep a balance on one credit card, a separate balance on yet another, and pay a high APR to maintain both of them. Balance Transfer Credit Cards Canada have outstanding introductory APR’s and the very best Balance Transfer Credit Cards Canada will have a comparably lower ongoing APR as well.

Some of the best Balance Transfer Credit Cards Canada offer an introductory APR of 0% for an extended period. Those people who are in a debt trap can take advantage of this offer. There are even some Balance Transfer Credit Cards Canada which prolong the introductory ARR of 0% until you have paid off all the balance that you have transferred. Certain Balance Transfer Credit Cards Canada have a fixed rate and the rate remains the same until you pay off the balance transferred. This type of card, often times lacks the introductory 0% APR offer.

Things to Remember

It is not difficult find a balance transfer credit card, and in fact, you might have already been receiving solicitations from several credit card companies. But finding the best balance transfer credit card can sometimes be a murky affair. Understanding certain key elements regarding these cards can help you to choose the best.

Most people fall for the introductory offer given by the Balance Transfer Credit Cards Canada. But this is only for a specific period of time. The period of time offered on these introductory APR balance transfer cards is often times determined by your credit history. So while selecting a balance transfer credit, keep a close eye on the introductory offer. Make sure that the introductory offer will work in your favor.

In some instances, some credit card companies will require an initial balance transfer along with the application for the card. Some people might not be comfortable with such a demand. The best Balance Transfer Credit Cards Canada provide flexibility on balance transfers that will allow you to transfer balances at anytime during the introductory period.

Some of Balance Transfer Credit Cards Canada might have a fixed rate introductory offer which is not a 0% APR on balance transfers, but is very low, remaining constant until you pay off the balance.

Most Balance Transfer Credit Cards Canada have a transfer fee. Make sure that the transfer fee does not negate the financial advantage you are trying to get from the whole process. This aspect should be considered seriously by people who are planning to transfer balances from two or more cards. There will be no transfer fees incurred with the very best Balance Transfer Credit Cards Canada.

You should compare your existing cards interest rate with that of the balance transfer credit card. While comparing include all the fees associated with each card as well. And if you are planning to use your balance transfer credit card for ongoing purchases, make sure to get the complete details, including ongoing APR’s on purchases, penalties, late payment fees and any miscellaneous surcharges that might be incurred when using the card in this manner. Make absolutely sure that there are no hidden charges.


Credit Card Facts Canada

Credit card companies in Canada charge certain fees for certain type of transactions like cash advance, balance transfer, late payment and other types of transactions. Likewise, they offer special features and incentives like travel accident insurance and others.

Fees To Be Paid

Under any circumstances, the following are charged by most Canadian credit card companies:

  • Annual fee: It’s paid for being a user of the card
  • Cash advance fee: It’s paid when the card is utilized for making a cash advance; usually a flat fee or a percentage of the amount advanced
  • Balance-transfer fee (BTF): It’s paid when a balance from another credit card is transferred to the other card. Checks are usually sent to pay-off the card. Balance transfer happens when the check is used to settle the amount due on the other card.
  • Late-payment fee: It’s paid if payment was done after the date due
  • Over-the-credit-limit fee: It’s paid for payments exceeding the credit limit
  • Credit-limit-increase fee: It’s paid for a credit limit increase request
  • Set-up fee: Paid for opening a new credit card account
  • Return-item fee: Paid for returned checks when bill payments by check was done for insufficiency of funds (meaning, the check bounced)
  • Other fees and charges: Payments made for over the phone settlements, cost coverage for credit bureau reporting, account review, provision of other customer services. Other fees and charges are information which may be found on the credit card agreement.

Credit Limit

The credit limit is the maximum cost – for making purchases, cash advances, transferring balance, finance charges- which may be charged on the credit card. An over-the-credit-limit fee will be paid for exceeding the credit limit.

Features and Incentives

Incentives and special features are offered by many credit card companies for using the card :

  • Rebates money discounted on purchases
  • Regular flier miles or minutes for telephone-conversations
  • Additional warranty coverage for purchased items
  • Insurance for car rental
  • Insurance for accidents incurred while in travel
  • Credit card registration, in case wallet is lost or stolen and a report of missing credit cards had been made

For a certain amount, credit cards may also offer, Insurance coverage on credit card balance payments for card holders who become jobless or disabled or suddenly dies. Premiums are usually paid monthly, allowing payment cancellation if payments are more than what the desired payment amount is or if the insurance is no longer needed.

Credit card facts Canada highlights some of the important points that credit cards consumers usually look when applying for a credit card but you should always try to get updated information on your desired credit card application page and prior to availing of these special features, carefully decide whether these features are useful. Never pay for a feature which is not needed or is not useful.



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