If you're carrying some credit card debt, chances are that you're paying 19% -- or more -- on it. MBNA has a decent, no-fee, no-frills card that's particularly good for balance transfers. Here's a look at the MBNA Platinum Plus MasterCard:

• 0% Annual Interest Rate on Balance Transfers for the first 10 full months
• 0% Annual Interest Rate on Access Cheques and Deposits
• No annual fee
• Credit Limit up to $100,000
• Extended Warranty Benefits extending the written warranty for up to one year on most new purchases made with the card

Application restrictions are pretty minimal -- you must be the age of majority with a minimum total household income of $35,000. If you're looking for some of the higher-end credit card perks -- cash back or price protection -- you'll probably do better with something like the Smart Cash card -- or you can explore all the options with RedFlagDeals.com's Canadian Credit Card Comparison page.

November 26, 2011 Update: With the news in August that TD bought MBNA Canada, we can't be certain how much longer the Smart Cash Platinum Plus MasterCard will be available. To date, it remains one of the best no-fee cashback credit cards on the market, and it's very much worth a look if you don't have one. It could definitely come in handy during the holiday season, too!

Originally posted September 24, 2009: Still looking for the right credit card? MBNA has put an impressive credit card offer online. The MBNA Smart Cash Platinum Plus Mastercard is a no annual fee card with some pretty robust cash back rewards. Here are the details:

• Get 5% cash back on net gas and grocery purchases for the first 6 months (up to spending $600 per month, 1% thereafter)
• Get 3% cash back on net gas and grocery purchases thereafter (up to spending $600 per month, 1% thereafter)
• Get 1% cash back for all other net retail purchases
• 1.99% introductory annual interest rate on balance transfers and cheque cash advances for 10 months
• No annual fee

As a platinum card, it also carries the the normal platinum benefits -- a warranty extension of up to one additional year on most new purchases and free car rental insurance when renting vehicles. In terms of application restrictions, you do need to have a minimum income of total household income of $35,000 or greater. Overall, it's a very strong credit card offer. If you want to see how it stacks up to the competition, use the RedFlagDeals.com's Canadian Credit Card Comparison page or you can compare it against other MBNA Credit Cards here.

For those of you in Quebec, MBNA has a pretty interesting credit card offer that may help you out at the gas pumps. The MBNA CAA-Quebec Mastercard is open to Quebec CAA members. Here's the low down for this card:

• On top of the 2¢ per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the counter when filling up on gas at participating Couche-Tard outlets, you receive an additional 2% rebate by paying with your CAA-Quebec MasterCard credit card on all your qualifying purchases — including gas — at participating Couche-Tard outlets that sell gas
• the2 % is added to the .5% rebate you earn each time you use your CAA-Quebec MasterCard credit card
• 3.99% introductory interest rate for 6 months on Cheque Cash Advances and Balance Transfers (16.99% thereafter)
• No Annual Fee
• 14.99% interest rate on purchases

Obviously, the card should be most appealing to those of you who fill up and do a decent amount of shopping at Couche-Tard. Then again, with over 550 stores in Quebec, that should be a lot of folks in Quebec! You can apply online here or you can compare it against other MBNA Credit Cards here.