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MBNA True Line® MasterCard® credit card

MBNA True Line® MasterCard® credit card

Get the low rate you deserve. Interest rates from 5.99%-14.99%*

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance 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, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
$0.00 9.99% 9.99% 9.99% Good -
  • Card Details Details
  • Our Review Review
  • Best of Finance Winner

Card Details

  • A low annual interest rate of 5.99%, 7.99%, 9.99%, 12.99% or 14.99% on all purchases, balance transfers and access cheques
    (The interest rate you receive is dependent on your credit worthiness)

  • Enjoy free online access to your credit card account

  • Get live online help, it's just a click away. View up to the minute transactions and your MBNA TrueLine balance.

  • Zero Liability

  • If your card is ever lost or stolen, we will reimburse you for any unauthorized transactions.

  • Fraud Monitoring

  • Designed to block potential fraud if abnormal patterns are detected. 


Features and Benefits

  • Rental vehicle insurance

RateSupermarket.ca's Review

The MBNA TrueLine MasterCard® credit card is the best option out there for paying lower interest and zero fees. It's these no-nonsense features that has landed the TrueLine top spot in RateSupermarket.ca's Best of Finance Low Interest category each year - and it returns in 2014 with an even sweeter savings feature: an interest rate tailored to your personal credit score. Based on your score, you could enjoy an interest rate as low as 5.99% (ranging from 7.99%, 9.99%, 12.99% or 14.99%). This card is a great option for paying less for your purchases, and rewards responsible credit use.

Top Features About the MBNA TrueLine MasterCard® credit card

  • No annual fee
  • A sliding interest rate that is customized based on your credit score, ranging as low as 5.99%.
  • Customized rate is also applicable to Balance Transfers and Deposits


  • One of the lowest interest rates on the market
  • Absolutely no fees or restrictions


  • No rewards earnings
  • No built-in insurance or entertainment benefits

How We Did It: Low Interest

Ave. Canadian Credit Card Debt Amount Paid Monthly Debt Timeline
$3,277.33 Minimum Payment (varies) 24 Months


All interest totals include limited time interest rates, credits, bonuses and annual fees.

WINNER: The Best Low Interest Credit Card in Canada

Do you carry a balance on your credit card? You're not alone - studies find the average Canadian is lugging around a sum of $2,627* on their plastic. Ready to take action? Cut back on interest charges with the best low interest credit card in Canada. The MBNA TrueLine MasterCard® Credit Card comes with a regular interest rate of 9.99% and has no annual fee. Why spend more on interest when you don't need to?

Why It's Our Winner

*Interest savings were calculated based on the following:

  • Assuming the cardholder is carrying the average Canadian credit card balance of $2,627*
  • The cardholder is making the minimum payment + $10 monthly
  • Total Interest Paid compared to that of a credit card with a 19.99% APR over a 24-month period

Total Interest Paid on Balance: $455.26

Total Interest Saved: $370.94

See how the MBNA TrueLine MasterCard® Credit Card stacks up against the other top low interest credit cards in Canada:

This Card Is Great For You If:

  • You're prone to carrying a balance
  • You want to pay down your credit card debt
  • You don't want to pay an annual fee
  • You don't mind not earning rewards


*SOURCE: Are Canadians in Debt Denial?>

Want to know how we did it?

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.