MBNA True Line Mastercard
Anyone carrying high-interest credit card debt who needs 12 months of breathing room to pay it down.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
A pure debt-management tool: 0% on balance transfers for a year with no annual fee. Skip it for rewards, but it is among the best balance-transfer cards in Canada.
Reward rates
All purchases No rewards program - this card is built for low interest and balance transfers | 0% |
Pros
- One of Canada's best balance-transfer offers: 0% for 12 months
- No annual fee and a low ongoing purchase rate
Cons
- No rewards, no insurance coverage
- 3% balance transfer fee and a steep 24.99% cash advance rate
- Promotional offer not available to Quebec residents
Perks
- Promotional 0% interest on balance transfers for 12 months (made within 90 days of account opening; 3% transfer fee, $3.50 minimum)
- Low standard 12.99% purchase interest rate
- No annual fee
- Avis (min 10%) and Budget car rental discounts in Canada/US
- Zero liability protection on unauthorized purchases
Insurance
- No travel or purchase insurance included
Frequently asked questions
Is the MBNA True Line Mastercard worth it?
It has no annual fee, and we rate it 3.5 out of 5. It's best suited to anyone carrying high-interest credit card debt who needs 12 months of breathing room to pay it down. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the MBNA True Line Mastercard earn?
It earns 0% on all purchases.
What credit score do you need for the MBNA True Line Mastercard?
We'd suggest a score of around 640 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“MBNA True Line Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/mbna-true-line-mastercard, updated June 2026.
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