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MBNA True Line Gold Mastercard review

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MBNA True Line Gold Mastercard
Welcome Offer
N/A
Rewards
N/A
Annual Fee
$39
Purchase Interest Rate
10.99%
Cash Advance Rate
24.99%
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Summary

Pay an ultra-low interest rate on your outstanding balance and get a 13.99% balance transfer rate.

If you're trying to consolidate your debt or want to lock in a low-interest rate on your outstanding balance, you might benefit from the MBNA True Line Gold Mastercard

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The MBNA True Line Gold Mastercard offers a low 13.99% interest rate on purchases. The downside of this card is that you’ll have to pay an annual fee and you won’t earn rewards or get comprehensive benefits.

30-second take

  • Get this card if you want to save money on interest.
  • Choose something else if you want to earn rewards or get comprehensive benefits.
  • This card doesn’t come with a minimum annual income requirement.

The basics

If you’re trying to consolidate your debt or want to lock in a low-interest rate on your outstanding balance, you might benefit from the MBNA True Line Gold Mastercard.

  • Low interest rate. You’ll only have to pay an interest rate of 13.99% on purchases (which is 11% lower than with a typical card).
  • Low balance transfer rate. You can get a 13.99% interest rate on balance transfers (though you’ll have to pay a 3% transfer fee).
  • Free additional cards. You’ll be able to order up to 9 additional cards at no extra fee.
  • Purchase assurance. Most items you buy on your card are protected against loss and damage for up to 90 days
  • Extended warranty coverage. You’ll get double your manufacturer’s warranty on consumer goods (up to 1 year) when you purchase them with your card.

The perks

  • Enhanced security. Purchases are protected by security features like PIN-protected microchips and online fraud prevention mechanisms.
  • 24/7 support. MBNA offers customer support at any time of the day or night to help you troubleshoot issues with your account.
  • Trip assistance. You’ll get support when you travel with lost tickets and luggage assistance, pre-trip information and legal assistance where necessary.
  • Easy to qualify. You won’t have to meet any minimum income requirements to qualify for this card.

What to watch out for

  • Annual fee. You’ll need to pay an annual fee of $39 to keep your account active.
  • No rewards or cashback. You won’t earn any rewards or cashback when you spend money on this card.
  • Few benefits. This card doesn’t offer comprehensive benefits like travel insurance, mobile device protection or roadside assistance.
  • Balance transfer fee. You’ll pay 3% on any amount you transfer from another credit card (which means a $10,000 transfer will come with a $300 fee).
  • High interest on cash advances. The interest rates on cash advances are higher than what you’ll pay with most standard cards.

MBNA True Line Gold Mastercard interest rates

Interest TypeInterest Rate
Purchase interest rate10.99%
Cash advance rate24.99%
Standard balance transfer rate13.99%

What should I know before I apply?

How to apply

  1. Head to the MBNA website to begin your application.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

Bottom line

The MBNA True Line Gold Mastercard is a low-interest card that lets you save money on your outstanding balance. The downside of this card is that you won’t get comprehensive benefits or earn rewards for making purchases.

Compare other credit cards

1 - 10 of 40
Product CACCF Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard image
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
Get up to 2% unlimited cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
Neo Credit Mastercard image
N/A
An average of 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 640
Earn cashback at a rate that grows with your Neo Everyday Account balance, and get an average of 5% cash back at 10,000+ retail partners.
RBC ION Visa image
7,000 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 7,000 Avion points when you get approved for the card.
American Express Cobalt Card image
15,000 points
Up to 5x points per $1 spent
21.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard image
5% cash back
Up to 3% cash back
21.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
BMO Preferred Rate Mastercard image
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived by your first anniversary.
RBC ION+ Visa image
14,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get 14,000 Avion points when you get approved for the card. Card costs $4 charged monthly ($48 annually).
BMO eclipse rise Visa Card image
25,000
Up to 5 points per $2 spent
21.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
RBC Avion Visa Infinite image
55,000 points
Up to 1 point per $1 spent
20.99%
$120
Min. recommended credit score: 650
Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by June 3, 2025
American Express Green Card image
10,000 points
1 point per $1 spent
21.99%
$0
Min. recommended credit score: 700
Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember. That’s $100 towards groceries or concert tickets.
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