MBNA True Line Mastercard Credit Card

16/01/2023 - 2 min of reading

The MBNA True Line Mastercard is a great option if you are looking for a credit card with no annual fee and competitive interest rates. Its standard interest rate for purchases is 12.99%, which is about half of what other credit cards charge. This means that if you need to spread your purchases out and carry a monthly balance, the interest rates will be manageable.

Positive Points Negative Points
Welcome Bonus No insurance benefits
No annual fee or minimum income requirement Cannot transfer a balance due to MBNA or TD
Low standard interest rate of 12.99%

New cardholders can take advantage of a promotional 0% annual interest rate for 12 months on any balance transfer completed within 90 days of account opening. After 12 months, the promotional rate ends and the interest rate for balance transfers rises to the standard rate of 12.99%, which is still relatively low.

Unfortunately, the interest rate for cash advances with the card is relatively high at 24.99%. So it is best to avoid using the card for this purpose (which is generally not recommended with credit cards anyway, as interest starts accruing immediately). Other fees to be aware of are the foreign transaction fee of 2.5% and a $29 fee for any period when you go over your credit limit.

Card brand
Several benefits
24-hour customer service
Online application
100% online card application

How to apply

You can click the button below to apply for the MBNA True Line Mastercard. This will take you to an application form where you will need to provide personal information such as date of birth, contact details and employment information.

I Want My Card

Benefits and Features

  • Add up to 9 authorized users with no additional annual fee;
  • Save a minimum of 10% off basic car rental rates;
  • Cardholders may use available credit on their credit card to transfer funds directly to their checking account. Interestcharges will apply;
  • 24-hour fraud protection.


To be eligible for the MBNA True Line Mastercard, you must have reached the age of majority in your province or territory. In addition, you need to have a credit score in the range of reasonable to good. There is no minimum income requirement. Unfortunately, the balance transfer promotion is not available to residents of Quebec. To apply for your card, simply click on the button below:

I Want My Card

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