• Bases your interest rate on your credit score.
  • Extremely low interest rate ranging from 5.99% - 14.99%.
  • Check your rate before you apply without lowering your credit score.
  • Enjoy Platinum card benefits that includes 7 different types of travel and purchase insurance.
  • Add a second card for free.
  • No annual fee.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $1,000,000
Trip Interruption $2,000
Rental Car Theft & Damage
Rental Car Accident $200,000
Rental Car Personal Effects $1,000

Our Review

If saving money on interest is something that sounds appealing to you and you've been working hard at getting your credit score in order...you've come to the right place.

Why? Because the MBNA True Line Platinum Plus Mastercard is one of the few cards out there that rewards you for having a great credit score. It takes your score into consideration when you apply and bases your purchase and balance transfer interest rates on that.

That means you have the ability to get purchase as low as 5.99%.

You can even check what rate you'll get before you actually apply, taking away the guess work. Just fill out a little information, and without dinging your credit score at all, the True Line Platinum Plus Mastercard will tell you if you will get an interest rate of 5.99%, 7.99%, 9.99%, 12.99%, or 14.99%.

Even though this is a no fee credit card, MBNA still gives you the comfort of 7 different types of insurance ranging from purchase protection and extended warranty, to travel interruption and rental car coverage. This means you can shop and travel a little more worry free. Check out the "Insurance Coverage" tab for more info on that.

If you want a no fee card that will let you continue to build your credit and save on interest, while giving you a pretty great insurance package, this card is pretty solid.

Before you make your final decision though, feel free to check out the Canadian Western Bank Platinum Mastercard, which has a fixed low interest rate of 9.99% for everyone or the Canadian Western Bank Rewards Platinum Mastercard, which has an interest rate of 14.99%, but will also allow you to earn rewards.


A few other cards that might interest you.

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