MBNA True Line Mastercard
MBNA (TD Bank) · Cashback · Statement Credit
This comprehensive guide covers the MBNA True Line Mastercard's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The MBNA True Line Mastercard from MBNA (TD Bank) offers cashback rewards credited directly to your statement at 1%. This card has no annual fee.
Best for: General Online, Electronics Accessories, Grocery, Dining
Reward Examples
Spend C$1,000 on General online → earn C$10 (1%) · 1% cash back on all purchases
Official product page → Official rules →
Annual fee: C$0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 1% 1% cash back on all purchases
Important Notes
- Low purchase interest rate of 12.99% — one of the lowest rate cards in Canada.
- 0% promotional balance transfer rate for 12 months (3% transfer fee).
- No annual fee and no income requirements.
- Primarily a low-interest card, rewards secondary.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
MBNA True Line Mastercard vs Similar Cards
- Alterna Savings Cash Back Visa — 2% top rate · C$0
- BMO Cash Back Mastercard — 3% top rate · C$0
- BMO CashBack World Elite Mastercard — 5% top rate · C$120
Maximize Your Rewards
To earn the highest rewards, use the MBNA True Line Mastercard for its bonus categories: General Online, Electronics Accessories, Grocery, Dining, Travel.