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Pros & Cons

Pros

  • +Purchase protection included

Cons

  • Foreign Transaction Fee (2.5%)

Our Review

The MBNA True Line® Gold Mastercard® is MBNA’s lowest interest rate credit card.

With this card, you benefit from low rates at all times:

  • 10.99% on purchases
  • 13.99% on balance transfers

All for an annual fee of just $39.

It’s an ideal card for reducing interest charges if you carry a balance from month to month, while enjoying Mastercard protections like Purchase Assurance and Extended Warranty.

Travel Insurance

Travel Accident

Included

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Included

Fees and interest rates

  • Annual Fee
    $39
  • Additional card fee
    $0
  • Foreign currency conversion fee
    2.5%
  • Purchase Rate
    10.99%
  • Balance transfer rate
    13.99%
  • Cash advance rate
    24.99%

Terms & Conditions

Card Features

  • $39 annual fee
  • Standard Annual Interest rates of 10.99% on purchases, 13.99% on balance transfers, and 24.99% on cash advances
  • Rates and fee structures may differ for Quebec residents.
  • This card is made entirely of recycled plastic
  • Around-the-clock-fraud protection
  • Use available credit on your credit card to transfer funds right to your chequing account.

Related Cards

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. MilesBeyondBorders may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 MBNA. All trademarks are property of their respective owners.