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MBNA True Line Gold Mastercard
MASTERCARDLow interest for carrying a balance
MBNA True Line Gold Mastercard
6.6Canada Cards ScoreGoodAnnual fee $39Purchase APR 10.99%
Apply on MBNA →Why get this card
- ✓4 insurance coverages
- ✓Low 10.99% purchase rate
Pros
- +4 insurance coverages
- +Low 10.99% purchase interest rate
Cons
- -$39 annual fee
- -No published earn rate
Earn rates
No earn rates captured.
Welcome offer
No welcome offer captured.
Fees
- Annual fee
- $39
- Additional card
- No fee
- Foreign transaction fee
- —
Balance transfer fee: 1.00% of each balance transfer (minimum $3.50).
Interest rates
- Purchase APR
- 10.99%
- Cash advance APR
- 24.99%
- Balance transfer APR
- 13.99%
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 4
- Purchase Assurance (90 days, $60,000 lifetime limit per account)
- Extended Warranty (doubles manufacturer warranty up to one additional year)
- Trip Assistance
- Legal Assistance
Redemption & eligibility
- Reward currency
- —
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
Canadian resident and of the age of majority in your province/territory of residence.
How we scored it
6.6Good- Everyday earn rateWeight 30
No published earn rate
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$39 annual fee
- Benefits depthWeight 15
4 insurance coverages
- Interest costWeight 10
10.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the MBNA True Line Gold Mastercard worth it?
- It carries a $39 annual fee. 4 insurance coverages. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the MBNA True Line Gold Mastercard?
- The annual fee is $39. The purchase interest rate is 10.99% and the cash advance rate is 24.99%. These are sourced from MBNA's official page.
- What rewards does the MBNA True Line Gold Mastercard earn?
- This card does not focus on rewards; see its fees and rates above.
Official sources
Every figure on this page comes from MBNA's own pages. Last checked 2026-06-17.
- Product page: https://www.mbna.ca/en/credit-cards/low-interest/true-line-gold-mastercard
- Application: https://apply.mbna.ca/applicationform/generateApplicationForm.htm?src=DADI31&locale=en_CA
- Disclosure PDF 1: https://www.mbna.ca/content/dam/mbna/document/pdf/credit-cards/mbna-acct-agreement-0322-en.pdf
Cited, never sponsored
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