MBNA True Line Mastercard

The MBNA True Line Mastercard offers a low interest rate and a 0% introductory APR for 12 months on balance transfers, making it a sensible choice for debt management.

Last checked on June 10, 2026. We may earn a commission when you click through.

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✓ 0% introductory APR for 12 months on balance transfers ✓ No annual fee ✓ Low interest rates ranging from 12.99% to 24.99%
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MBNA True Line Mastercard

Mastercard · low_interest

Our Verdict Recommended

This card is a solid option for those looking to manage existing credit card debt with a low interest rate.

What it really costs

Annual fee No annual fee
APR Range 12.99% – 24.99%

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Who it's for

Ideal for individuals carrying debt who need a low-interest solution rather than those seeking rewards or premium perks.

Watch out

Keep in mind that after the introductory period, the APR can rise significantly, impacting balances carried over.

The good and the not so good

  • 0% introductory APR for 12 months on balance transfers
  • No annual fee
  • Low interest rates ranging from 12.99% to 24.99%
  • Mastercard network acceptance
  • No rewards program
  • Higher APR for new purchases after the intro period
  • Limited benefits compared to premium cards

In-Depth Review

The MBNA True Line Mastercard is tailored for individuals seeking to manage credit card debt effectively. With a **0% introductory APR for 12 months** on balance transfers, it provides immediate relief for those looking to consolidate their debts. Post-introductory, the APR varies between **12.99% and 24.99%**, which is competitive in the low-interest card sector. However, new purchases will incur the higher APR after the introductory period, so planning is essential. This card does not offer a rewards program, which may disappoint users looking for cashback or points. Instead, it focuses solely on providing low-interest financing. For those who do not carry balances, other cards may offer more perks. Customer service feedback is generally positive, though some users report longer wait times during peak hours. The lack of an annual fee adds to its appeal, making it easier for consumers to keep the card without worrying about yearly costs. According to the issuer's page (https://www.mbna.ca/credit-cards/true-line-mastercard.html), this card is designed with straightforward terms that prioritize cost savings for cardholders.

Summary

The MBNA True Line Mastercard is best suited for those focused on reducing debt with its low-interest rates and lack of annual fees, despite the absence of rewards.

What cardholders say

Cardholders appreciate the low-interest rates but wish for additional rewards or benefits.

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