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MBNA True Line Gold Mastercard

MBNA

Mastercard

Reward earning

other: 0% cash back

Frais annuels
39,00 $
First-year bonus value
0 $
Récompenses annuelles nettes
-39 $
Valeur la première année
-39 $

Based on typical spending of $2,000/month, after the annual fee. See the breakdown

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Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source for MBNA True Line Gold Mastercard (opens new tab)

Détails de la carte

Frais annuels

Main card: 39,00 $

Additional cards: 0 $

Interest rates

Purchases: 10,99 %

Annual income

No minimum published

Foreign transactions

Fee: À confirmer auprès de l’émetteur

Type de carte

Mastercard · Faible taux d’intérêt

Récompenses

Program: Remises en argent

Émetteur

MBNA

  • Eligibility not fully reviewed

L’approbation relève de l’émetteur.

How you earn rewards

  • 0% cash back

What is this card worth to you?

Based on typical spending of $2,000/month

Estimated first-year value

-39,00 $

net annual rewards

Récompenses annuelles nettes
-39,00 $

Rewards in a typical year, after the annual fee

Annual rewards breakdown

Rewards earned in a year0,00 $
Frais annuels− $39.00
Récompenses annuelles nettes-39,00 $

A category-by-category split isn’t available for this card yet.

Use your own spending

Needs your input
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards
0,00 $
Frais annuels habituels
39,00 $
Illustrative net ongoing value
-39,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

  • Confirm whether your spending mix is typical throughout one complete rewards year.
  • Confirm whether this profile includes all purchases for this account, including additional cardholders.
Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending
Calculation assumptions for this card
Annual estimate assumptions for MBNA True Line Gold Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Official issuer comparison table explicitly states Reward Type N/A for the exact True Line and True Line Gold columns. These products have no rewards programme: no earning categories, reward caps, redemption or cashback payout. Balance-transfer interest promotions are borrowing-cost terms, not monetary rewards; excluded. Regular primary annual fee CAD39.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Earning rates, caps and redemption options
Prime de bienvenue
0,00 $
Récompenses annuelles nettes
-39,00 $
Valeur la première année
-39,00 $
Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

  • Tout le reste0 %cash back

Redemption methods

  • Remises en argent
    No reward currency; borrowing savings excluded
    Fonctionnement
    • No rewards payout exists for this product.
    • Official issuer comparison table explicitly states Reward Type N/A for the exact True Line and True Line Gold columns.
    • These products have no rewards programme: no earning categories, reward caps, redemption or cashback payout.
    Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Insurance & benefits

  • Travel medical: not included
  • Trip cancellation: not included
  • Trip interruption: not included
  • Flight delay: not included
  • Baggage: not included
  • Rental car: not included
  • Travel accident: not included
  • Hotel burglary: not included
  • Mobile device: not included
  • Protection des achats: included
  • Garantie prolongée: included

2 insurance

AssuranceCoverage
  • Purchase assurance60 000 $

    Maximum $60,000 over account lifetime; computers $1,000/loss; jewellery / fine art $500/item/loss

    90 days from purchase

    Primary or family cardholder in good standing; full cost charged to account or qualifying account access cheque. Eligible personal property only; excluded goods, taxes, other-insurance and claim conditions apply. Historical catalogue notes (unverified; reviewed certificate controls): Purchase protection for eligible purchases and extended warranty, subject to coverage terms.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Garantie prolongéeInclus

    Doubles original repair warranty; up to 1 additional year

    Full item cost charged to account; original warranty valid in Canada. Warranties over 5 years require registration within 1 year of purchase. Excludes used goods and specified vehicles; coverage ends if manufacturer ceases business.

    Issuer terms (opens new tab)

    Not counted in this estimate

Pros & cons

Pros

  • 0% cash back

Cons

  • Typical rewards don’t cover the annual fee
  • Bonus categories have spending caps

Redemption

Redemption minimum, timing and restrictions

    Official issuer comparison table explicitly states Reward Type N/A for the exact True Line and True Line Gold columns. These products have no rewards programme: no earning categories, reward caps, redemption or cashback payout. Balance-transfer interest promotions are borrowing-cost terms, not monetary rewards; excluded. Regular primary annual fee CAD39.

    No rewards payout exists for this product.

    Sources & legal

    Things to consider

    • Confirm current fees, earning restrictions, membership requirements and terms with the issuer before applying.

    Last verified: October 10, 2026.

    What’s not included

    Values don’t include interest charges, so they assume you pay your balance in full each month. Insurance and perks without a set dollar value are listed but not counted.

    WalletReturn is an independent comparison site, not the card issuer. Values are estimates.

    Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

    Verify the issuer’s current product terms before applying.

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    Valeur la première année avec des dépenses typiques de 2 000 $ par mois, après les frais annuels.