Not sure if anybody else has a MBNA Smart Card, but I think it's amazing. Originally, I was paid $100 to sign up for it. This is $100 more than any other card has given me. As well, it gives you 1-5% cash back in the first 5 months. 1% afterwards. I've already redeemed $100 in cash back points. So since June, I've made $200 using a credit card. I'm flabbergasted at this result.