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The MBNA True Line Mastercard is a popular choice for those looking for a straightforward credit card with competitive interest rates and essential features.

This article will explore how this card works, its advantages and disadvantages, whether it’s worth applying for, the requirements for application, and a step-by-step guide to the application process.

Additionally, we’ll cover some frequently asked questions.

How Does the MBNA True Line Mastercard Work?

The MBNA True Line Mastercard functions like most standard credit cards. It allows cardholders to make purchases, transfer balances, and take cash advances.


One of its key features is the low-interest rate on purchases and balance transfers, making it an attractive option for those who carry a balance month-to-month or are looking to consolidate higher-interest debt.


Advantages of the MBNA True Line Mastercard

  • Balance Transfers: The card offers a low rate on balance transfers, which can help you save money on interest if you are consolidating debt from higher-interest cards.
  • No Annual Fee: There is no annual fee, making it an economical choice for budget-conscious consumers.
  • Fraud Protection: The card includes fraud protection features, such as zero liability for unauthorized transactions, ensuring your money stays safe.
  • Easy Online Access: MBNA offers robust online account management tools, making it easy to keep track of your spending, payments, and balance transfers.
  • Emergency Card Services: In the event of a lost or stolen card, MBNA provides emergency card replacement services.
  • Customer Service: MBNA is known for its excellent customer service, available to help with any issues or questions 24/7.
  • Extended Warranty: Purchases made with the card may benefit from extended warranty protection, doubling the manufacturer’s warranty up to one additional year.
  • Purchase Protection: This feature covers eligible items against theft and damage within a specified period after the purchase.
  • Accessible Credit Limits: MBNA offers a range of credit limits suitable for different financial needs, making it accessible to a wider range of applicants.

Disadvantages of the MBNA True Line Mastercard

  • Limited Rewards: Unlike some other credit cards, the MBNA True Line Mastercard does not offer rewards points or cash back on purchases.
  • Balance Transfer Fees: While balance transfer interest rates are low, a fee is typically charged for each transfer, often around 3% of the amount transferred.
  • No Introductory APR: Some competing cards offer an introductory 0% APR period, which the MBNA True Line Mastercard does not.

Is the MBNA True Line Mastercard Worth It?

The MBNA True Line Mastercard is worth considering if you value low-interest rates on purchases and balance transfers over rewards and premium features.

It’s especially beneficial for those looking to manage existing debt or avoid high interest on carried balances.


However, if you prioritize earning rewards or need travel perks, other credit cards might be more suitable.


Requirements to Apply for the MBNA True Line Mastercard

To be eligible for the MBNA True Line Mastercard, applicants typically need to meet the following criteria:

  • Age: Must be at least the age of majority in your province or territory of residence.
  • Residency: Must be a Canadian resident.
  • Credit Score: A fair to good credit score is usually required. This typically means a credit score of at least 650.
  • Income: While MBNA does not specify a minimum income requirement, having a steady source of income is essential.
  • Identification: Valid identification documents will be required during the application process.

How to Apply for the MBNA True Line Mastercard?

  1. Visit the MBNA Website: Start by navigating to the official MBNA website.
  2. Select the True Line Mastercard: Find the True Line Mastercard among MBNA’s offerings and click on the application link.
  3. Fill Out the Application Form: Provide the required personal information, including your name, address, date of birth, and employment details.
  4. Financial Information: Enter your income details and any other requested financial information.
  5. Review Terms and Conditions: Carefully read through the card’s terms and conditions, including interest rates, fees, and the cardholder agreement.
  6. Submit the Application: Once you’ve completed the form and reviewed the terms, submit your application.
  7. Wait for Approval: MBNA will review your application and, if approved, you will receive your card in the mail within a few weeks.


Frequently Asked Questions

What credit score do I need to qualify for the MBNA True Line Mastercard?

A credit score of at least 650 is generally recommended, although other factors such as income and existing debt will also be considered.

How long does it take to receive the card once approved?

After approval, it usually takes 7-10 business days to receive your MBNA True Line Mastercard in the mail.

Can I use the card for balance transfers?

Yes, the MBNA True Line Mastercard offers low-interest rates on balance transfers, making it a good option for consolidating debt.

Is there a fee for balance transfers?

Yes, balance transfers typically incur a fee of around 3% of the amount transferred.

Does the card offer any travel benefits?

The MBNA True Line Mastercard does not offer travel benefits or rewards, focusing instead on low-interest rates and essential features.

In conclusion, the MBNA True Line Mastercard is a solid choice for those seeking a no-frills credit card with low-interest rates.

While it lacks the rewards and premium benefits of other cards, its low cost and straightforward features make it an attractive option for managing debt and everyday purchases.