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True Line® Mastercard® credit card

True Line® Mastercard® credit card

Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪ and access cheques, and 24.99% on cash advances

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, 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!
$0.00 12.99% 0.00% *12.99% after 6 months 24.99% Good -
  • Card Details Details
  • Our Review Review

Card Details

  • No annual fee

  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪ and access cheques, and 24.99% on cash advances

  • You could get a 0% promotional annual interest rate ("AIR")† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50). Limited time offer, apply online by December 31, 2018.

  • Around-the-clock fraud protection

  • Access to 24/7 customer service

  • Immediate cash access at over 1 million ATMs internationally

RateSupermarket.ca's Review

If you're looking to consolidate and reduce your debt, then the MBNA True Line® Mastercard® offers some of the lowest interest rates on the market. But since this is a low interest credit card, that means you don't earn any points or cash back. This card is really for those who have large, unpaid balances on other cards, and need extra time to pay it back. The MBNA True Line® Mastercard® has a 0% promo interest rate for six months on balance transfers (for a limited time), so this gives you the benefit of a little cushion time before having to pay your debt back. But if you still have lingering debt after six months, the low interest rate means you also pay less in interest.


  • No annual fee.
  • 12.99% interest rate on eligible purchases – notably less than the standard credit card interest rate of 19.99%.
  • If you apply before August 30, 2018, you qualify for a promotional rate: Balance transfers completed in the first 90 days of cardmembership come with an interest rate of zero per cent for the first six months, giving you a bit of time to save up and take a bite out of your debt.
  • 24/7 fraud protection and customer service, meaning MBNA will alert you if they detect any suspicious activity so you can investigate right away. Customer service is also available by phone or email, which is great since some credit card companies only offer customer service on weekdays at certain hours.


  • After the first six months, the interest rate on balance transfers climbs back up to 12.99%, however, this is still notably less than standard credit card balance transfer rates.
  • A 1% fee applies to the amount being transferred with a minimum fee of $7.50. But even with this charge, you'll still likely end up paying much less in interest than you would with a credit card that has a standard balance transfer interest rate.
  • This card does not come with any travel or consumer insurance, so keep that in mind if having a comprehensive insurance package is important to you.

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

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