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MBNA

MBNA True Line Mastercard

Start with 0% promotional interest on balance transfers for 12 months.

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Annual fee
$0
Typical credit · 600+
MBNA True Line Mastercard📉 Low Interest

Welcome bonus

New cardmembers can earn 0% promotional interest on balance transfers for 12 months by completing the steps below.

How to earn it

  • 0% promotional APR on balance transfersComplete eligible balance transfer within first 90 days; promotional rate applies for 12 months

New cardholders who complete eligible balance transfers within 90 days of account opening

How you earn

  • No points or cashback rewards on purchases
  • No category-based earn structure
  • No welcome rewards or bonus points system
  • Value is derived entirely from low interest rates rather than rewards accumulation
  • Optional promotional balance transfer offer (0% interest for 12 months) provides indirect financial benefit instead of rewards

Built-in perks & coverage

Low ongoing purchase interest rate

Standard purchase APR of 12.99% significantly reduces interest cost compared to typical credit cards.

Balance transfer promotional rate

Introductory 0% promotional interest rate on balance transfers for 12 months (on eligible transfers within 90 days of account opening).

Balance transfer flexibility

Ability to consolidate higher-interest debt into a single lower-rate balance, improving repayment efficiency.

No annual fee structure

No yearly cost to maintain the card, making it efficient for debt management use cases.

Payment plan functionality

Eligible purchases over $100 can be converted into installment plans (6, 12, or 18 months) for predictable repayment.

Mastercard Zero Liability protection

Protection against unauthorized transactions when cardholder security conditions are met.

Emergency account services

Includes emergency card replacement and access to basic account support services.

The verdict

What we like

  • Very low interest rate (12.99% on purchases) reduces ongoing borrowing cost
  • 0% promotional balance transfer offer helps consolidate and reduce high-interest debt
  • No annual fee makes it cost-efficient for long-term holding

Worth noting

  • No rewards program (no cashback or points earned)
  • Balance transfer fee applies (reduces net savings on promo use)
  • Limited benefits beyond interest rate optimization (minimal insurance or perks)

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