This card is not available to Quebec residents.
MBNA True Line® Mastercard®
- Specialized debt-management tool offering an aggressive 0% promotional annual interest rate for 12 months on balance transfers.
- Strictly no annual fee.
- The standard purchase interest rate is measurably lower than that of premium rewards cards.
This card has no rewards program. It focuses on low interest rates rather than earning points or cash back.
Welcome bonus
0% promotional interest rate on balance transfers for 12 months.
Key facts
Annual fee
$0
$0 for Additional Card.
Purchase APR
12.99%
Cash advance APR
24.99%
Foreign transaction fee
2.5%
Income required
No minimum income requirement disclosed
Credit score
660+
Balance transfer fee
3% of amount transferred (min. $7.50)
Quebec residents — terms may differ
Available in Quebec, but the promotional 0% balance transfer offer is not available to Quebec residents.
Rates and fees sourced from MBNA's official card page →
Perks & benefits
Specialized debt-management tool offering an aggressive 0% promotional annual interest rate for 12 months on balance transfers.
Strictly no annual fee.
The standard purchase interest rate is measurably lower than that of premium rewards cards.
This card has no rewards program. It focuses on low interest rates rather than earning points or cash back.
Insurance coverage
- Purchase assurance and extended warranty.
Pros & cons
Pros
- Low purchase APR helps reduce the cost of carrying a balance
- 0% balance transfer intro rate lasts a full 12 months
- No annual fee keeps overall card costs low
- Straightforward low-interest structure is easy to understand
Cons
- No rewards program for spending-based value
- Cash advance rate is much higher than the purchase rate
- Foreign transaction fee details are not clearly disclosed here
- Best fit is limited to borrowers prioritizing low interest
Eligibility requirements
- Canadian resident, age of majority.
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