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MBNA

MBNA True Line Gold Mastercard

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

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Annual fee
$39
Typical credit · 600+
MBNA True Line Gold Mastercard📉 Lowest Rate

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 interest rate 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 cashback or points earned on purchases
  • No category-based rewards system
  • No welcome bonus or points incentive program
  • No redemption or reward conversion structure available
  • Value is derived entirely from lower interest rates on purchases and balance transfers

Built-in perks & coverage

Lowest MBNA purchase interest rate

Offers a 10.99% standard interest rate on purchases, the lowest among MBNA credit cards.

Balance transfer savings

Lower interest rate on balance transfers (13.99%) helps reduce cost of carrying existing credit card debt.

No annual fee alternative structure benefit

Low-cost annual fee of $39 keeps carrying cost minimal compared to premium cards.

Payment flexibility tools

Includes MBNA Payment Plan for eligible purchases, allowing installment repayment over 6, 12, or 18 months.

Purchase assurance coverage

Protects eligible items against loss, theft, or damage for 90 days after purchase.

Extended warranty protection

Extends manufacturer warranties by up to one additional year on eligible items.

Emergency assistance services

Includes emergency card replacement and travel assistance services such as lost document and ticket support.

The verdict

What we like

  • Lowest MBNA purchase interest rate (10.99%) reduces ongoing borrowing cost
  • 0% promotional balance transfer offer helps eliminate or reduce high-interest debt
  • Low annual fee ($39) keeps carrying cost relatively minimal for a low-interest product

Worth noting

  • No rewards program (no cashback or points earned)
  • Annual fee reduces value for users who do not carry balances
  • No premium benefits or travel perks compared to higher-tier cards

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