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MBNA True Line® Gold Mastercard®

MBNA True Line® Gold Mastercard®

This offer is not available for residents of Quebec.

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Network Provider
Low Interest
Balance Transfer
Annual fee
Purchase interest rate
Cash advance rate
Balance transfer rate
Credit Needed
Good (650-749)

Card description

  • $39 annual fee
  • Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • A suite of comprehensive insurance**
  • Around-the-clock-fraud protection
  • Access to 24/7 customer service

Card Features

  • 24/7 Customer Service
  • Fraud Protection

About This Card

The MBNA True Line Gold Mastercard is a low-interest credit card with an 8.99% rate on balance transfers and a 24.99% rate on cash advances. 

This card carries a fee, although there is a no-fee version called the MBNA True Line Mastercard. The difference is the Gold version offers one of the best interest rates in the market: 8.99% versus 12.99% for the no-fee card.

The annual fee clocks in at $39. For that price, though, you get a card that has an impressively low purchase interest rate, a totally unique welcome offer, and robust insurance coverage.

There are, however, a few extra fees consumers need to consider before applying for the MBNA True Line Gold Mastercard.

Since MBNA is owned by TD Bank, consumers who have credit card debt on a TD-issued credit card cannot transfer their balance onto their new MBNA card. There’s also a transaction fee equal to 3% of the dollar amount of each of your balance transfers (yes, you can transfer more than one balance!). A minimum fee of $7.50 also applies for each balance you transfer. This applies to the no-fee version as well.

The interest rate for access cheques is 8.99% and cash advances are 24.99%.

Why get the MBNA True Line Gold Mastercard?

Low annual fee - For $39 a year, cardholders have access to some of the lowest interest rates in the Canadian credit card marketplace.

Low interest on purchases and balance transfers - While some credit lenders charge significantly more interest on certain transactions, the MBNA True Line Gold Mastercard has a flat interest rate for most transactions: 8.99% on all purchases and access cheques. The rate on cash advances is 24.99%.

Enhanced insurance coverage and customer service - MBNA's comprehensive suite of insurance benefits covers cardholders in a multitude of scenarios, be it identity or credit card theft, the unexpected death of an immediate family member, or serious injury in a rental car. 

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