MBNA True Line®

Get the card with a rate you deserve

Low Interest Rate

Save big with a standard interest rate between 5.99% and 14.99% on purchases and balance transfers✪

Check Your Rate

Find out the rate you're eligible for before you apply, without affecting your credit rating

No Annual Fee

Your savings are true because they don't get chipped away by an annual fee

Please note that your responses and credit information are protected by law and remain completely confidential.

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Legal:

Standard Rates:
$0 annual fee A low annual interest rate of 5.99%, 7.99%, 9.99%, 12.99% or 14.99% on all purchases, balance transfers✪ and access cheques The interest rate you receive is dependent on your credit worthiness The annual interest rate for cash advances (including ATM and over-the-counter transaction) is 24.99%
Default Rates:
If at any time your Minimum Payment is late twice within any 12 consecutive Statement Periods (the “change event”), the standard annual interest rates ("Standard Rates") that apply to your account at that time will increase to the following new Standard Rate(s):
  • Purchases: 19.99%
  • Balance transfers and access cheques: 21.99%
  • Cash advances: 24.99%

The new Standard Rate(s) will apply in the second Statement Period following the change event.

If you then pay each Minimum Payment on time for 12 consecutive Statement Periods (“cure period”), the new Standard Rate(s) will decrease to the Standard Rate(s) that applied on your account at the time of the change event. Such rates will apply in the Statement Period following the cure period.

✪Balance transfers and access cheques must be repaid and otherwise dealt with according to the terms of your Account Agreement and are subject to credit availability.

Balance transfers and access cheques cannot be used for repayment of any account established or maintained by MBNA or its affiliates. A transaction fee may apply. See your Account Agreement for full details.

To be charged on the day the transaction or event occurs:

Transaction fees (minimum of $7.50 in each case)

  • Cash advances: 1% of amount advanced
  • Cash equivalents: 1% of amount advanced
  • Balance Transfers at standard rates: 1% of amount advanced
  • Balance Transfers at promotional rates: 3% of amount advanced (We may offer and disclose a lower promotional rate balance transfer fee at the time we make an offer to you).
  Account fees
  • Over the credit limit (to be charged on the Statement Closing Date):
    $25.00 per Statement Period
  • Returned payment: $20.00 per occurrence
  • Extra copy of account statement or sales draft: $2.50
  • Inactive credit balance: If your account is inactive for longer than 12 consecutive months and has a credit balance, we will charge you annually on the date that your account was last active the lesser of: (1) the credit balance or (2) $25.00.
  The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. All trade-marks are the property of their respective owners. ® / MBNA and other trade-marks are the property of the Toronto-Dominion bank.