True Line® Gold Mastercard® credit card
True Line® Gold Mastercard® credit card
Standard Annual Interest Rates of 10.99% on purchases, 10.99% on balance transfers✪ and access cheques, and 22.99% on cash advances
Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
Rewards Are all rewards created equal? From points, to miles, to cash back – how do you know how much you’re really getting? To help you find the best rewards card, we’ve created the Your Reward Return, an estimate on the dollar value of your rewards based on your monthly spend so that you can compare like for like. Now that’s wise thinking!
0.99% *10.99% after 6 months
- $39 annual fee
- Standard Annual Interest Rates of 10.99% on purchases, 10.99% on balance transfers✪and access cheques, and 22.99% on cash advances
- You could get a 0.99% promotional annual interest rate ("AIR")† for 6 months on balance transfers✪ completed within 90 days of account opening
- A suite of comprehensive insurance**
- Around-the-clock-fraud protection
- Access to 24/7 customer service
This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.
† Promotional Rates: Balance Transfers: 0.99%
This Promotional Rate applies to any balance transfers made within 90 days of your account opening (each, an "eligible transaction") and will remain in effect for 6 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 Offer may be changed, extended or withdrawn at any time, without notice.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: 10.99%
Balance transfers and access cheques: 10.99%
Cash advances: 22.99%
If your Minimum Payment is late twice within any  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):
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  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 IS NO FEE FOR THIS 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). **Coverage is underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) and/or American Bankers Insurance Company of Florida. Certain limitations and exclusions may apply to this benefit and others described in the certificate of insurance sent soon after your Account is opened. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
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Rate, product information and rewards estimate are subject to change at any time and does not constitute financial advice. Please contact supplier for complete detailsApply Online