MBNA True Line Mastercard Review Canada 2026

Por julio • atualizado há 22 minutes atrás

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The MBNA True Line Mastercard is built for anyone carrying high-interest debt who needs 12 months at 0%. At /usr/bin/bash/year on the Mastercard network, here is everything you need to know before applying.

MBNA Credit Cards at a Glance

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Why the MBNA True Line Mastercard Stands Out

✓ What makes it worth it:

  • Longest 0% balance transfer in Canada (12 months)
  • No annual fee
  • 1% transfer fee is standard
  • 19.99% standard rate after promo is normal

✗ What to consider:

  • Zero rewards - not for daily spending
  • New purchases accrue interest at 19.99% immediately
  • Must use a separate card for purchases
  • 6-month wait before applying again for same bonus

Verdict: Who Should Get This Card?

The best balance transfer card in Canada, full stop. 12 months at 0% with no annual fee beats every competitor. Transfer your high-interest debt, divide by 12, pay that amount monthly, and be debt-free in a year. Do NOT use this card for purchases - get a separate rewards card for spending. For more options, see our see balance transfer options guide.

Ready to apply? Go directly to MBNA:

APPLY ON MBNA →

✓ Official MBNA website  |  ✓ Secure application  |  ✓ Takes 5-10 minutes

What credit score do I need for the MBNA True Line Mastercard? ▼

Standard MBNA cards typically require a score of 650+. If your score is below that, consider a secured card first to build history.

Is the /usr/bin/bash/year annual fee worth it? ▼

Calculate your expected annual rewards based on the earn rates above. If they exceed /usr/bin/bash/year, the card pays for itself. Most cardholders who spend $2,000+/month break even easily.

Can I get the MBNA True Line Mastercard as a newcomer to Canada? ▼

MBNA has dedicated newcomer programs. If you have been in Canada less than 5 years, check their newcomer page for cards with relaxed eligibility.

This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change. Verify current details directly on the MBNA website before applying.