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The MBNA True Line Mastercard costs nothing to keep; it carries a low 12.99% purchase rate if you sometimes keep a balance.
Welcome offer
0% rate on balance transfers for 12 months (3% fee applies). Not available for residents of Quebec.
+$50 extra cash back paid by FinlyWealth when you apply through our link and are approved.
Key facts
Pros
- No annual fee
- Balance transfer intro offer
- Low purchase interest rates
- Credit transfers
- Fraud protection
- Car rental discounts
Cons
- Flat transfer fee
- No rewards
Low interest cards · Balance transfer cards · No annual fee cards
Similar cards
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
| Enjoy a 1.9% introductory interest rate for the first 10 months on balance transfers and no annual fee for the first year. Apply by January 12, 2027. | — | $201st year free | 12.99% | 14.99% | 2.5% | Apply → | |
 Scotiabank | 0% interest on balance transfers for 9 months + first year fee rebate + extra savings at shell | +$50 cash back | $291st year free | 13.99% | 13.99% | 2.5% | Apply → |
| Get a 0% introductory interest rate on Balance Transfers for 18 months with a 3% transfer fee and a $29 first-year annual fee rebate. | — | $291st year free | 13.99% | 15.99% | 2.5% | Apply → | |
| — | — | $39 | 10.99% | 24.99% | 2.5% | Apply → |
Card data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often — confirm the current terms on the issuer's site before applying. crediteasy.ca is independent and does not provide financial advice.