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MBNA True Line® Mastercard®

MBNA True Line® Mastercard®

This offer is not available for residents of Quebec.

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Network Provider
Low Interest
Balance Transfer
No Fee
Annual fee
Purchase interest rate
Cash advance rate
Balance transfer rate
0% 12.99% after 12 months
Credit Needed
Good (650-749)

Card description

You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening.

  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪, and 24.99% on cash advances
  • Around-the-clock fraud protection
  • Use available credit on your credit card to transfer funds right to your chequing account.

Apply for the MBNA True Line® Mastercard® credit card today.

Card Features

  • 24/7 Customer Service
  • Fraud Protection

About This Card

The True Line Mastercard is a no-fee credit card that charges 12.99% interest on purchases and balance transfers — that’s really low. You could also get a 0% promotional annual interest rate ("AIR") for 12 months on balance transfers✪ completed within 90 days of account opening. Taking out a cash advance comes with an interest rate of 24.99%.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the Apply Now button.

Why get the MBNA True Line Mastercard credit card?

Low interest rates - The True Line offers some of the lowest interest rates on the market — 12.99% on purchases. If you tend to carry a balance from month to month, you'll pocket some extra cash by carrying this low-interest card. And if you have existing debt on another credit card, you can take advantage of the promotional 0% interest rate for 12 months on balance transfers completed within 90 days of opening your account.

No fee - There’s no annual fee with this card, which is ideal for consumers who are more focused on paying down debt and saving money. You get the benefit of a competitive 12.99% interest rate offer — all without having to pay for the privilege. However, people looking for travel perks and other experiences should look elsewhere.

24-7 fraud protection and customer service - MBNA is always on the lookout for third parties making fraudulent purchases with their cards. It also guarantees that cardholders will always be able to access high-quality customer service around-the-clock.

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† Promotional Rates:
Balance Transfers: 0.00%
This Promotional Rate applies to any balance transfers made within 90 day(s) of your account opening (each, an "eligible transaction") and will remain in effect for 12 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment. Other conditions apply. Offer may be changed, extended or withdrawn at any time, without notice.
Standard Rates:
Purchases: 12.99%
Balance transfers and access cheques: 12.99%
Cash advances: 24.99%

Default Rates:
If your Minimum Payment is late twice within any [12] consecutive Statement Periods (the "change event"), the Standard Rate(s) that apply to your account at that time will increase to the following new Standard Rate(s):
Purchases: 19.99%
Balance transfers and access cheques: 21.99%
Cash advances: 24.99%

The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event.
If you then pay each Minimum Payment on time for [12] consecutive Statement Periods ("cure period"), the new Standard Rate(s) will decrease to the Standard Rate(s) that applied on your account at the time of the change event. Such rates will apply on the first day of the first Statement Period that occurs after the cure period.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.