True Line® Mastercard® credit card

First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 24.99%
Balance transfer: 12.99%
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Purchase interest rate
Cash advance: 24.99%
Balance transfer: 12.99%
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Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
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Card details

Network: MasterCard
Provider: MBNA
Card type: Balance transfer, Low interest, No annual fee

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $0
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 12.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 24.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 12.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: Any amount
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

Get more details

  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50). Limited time offer, apply online by August 30, 2018.
  • Around-the-clock fraud protection
  • Access to 24/7 customer service
  • Immediate cash access at over 1 million ATMs internationally

  • † Promotional Rates: Balance Transfers: 0%
  • This Promotional Rate applies to any balance transfers made within 90 days of your account opening (each, an “eligible transaction”) and will remain in effect for 6 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment.
  • Standard Rates: Purchases: 12.99% , Balance transfers and access cheques: 12.99%, Cash advances: 24.99%
  • Default Rates: If your Minimum Payment is late twice within any [12] consecutive Statement Periods (the "change event"), the Standard Rate(s) 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 on the first day of 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 on the first day of the first Statement Period that occurs after the cure period.
  • ✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).
  • The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.