Welcome offer: You could get a 0% promotional annual interest rate (“AIR”) † for 12 months on balance transfers ✪ completed within 90 days of account opening.
Interest: Cash Advances
Interest: Balance Transfers ✪
Eligibility Requirements:
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MBNA True Line® Mastercard®
2025 creditcardGenius best balance transfer credit card in Canada award
2025 creditcardGenius best low interest credit card in Canada award
2024 moneyGenius best balance transfer credit card in Canada award
2025 RATESDOTCA best balance transfer credit card in Canada award
Our catalogue of Mastercard products comes with a wide range of benefits and capabilities. There’s a Mastercard that’s right for you
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Learn about MBNA credit card balance transfers ✪ and more
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For information about your Card, please refer to the MBNA Account Agreement.
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† This Promotional Rate applies to any balance transfers made within 90 day(s) of your account opening (each, an "eligible transaction") and will remain in effect for 12 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.
✪ BALANCE TRANSFERS 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 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $3.50 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).
~ As a Mastercard credit card cardholder, you will receive the benefit of Zero Liability in the event of the unauthorized use of your Canadian-issued Mastercard credit card. Zero Liability is provided under specific conditions. Visit www.mastercard.ca for more information.
¤ The person in whose name MBNA has opened an account ("primary cardholder") is solely responsible for all charges made by authorized users on the primary cardholder's account. See the MBNA Account Agreement for more information about this and other responsibilities of the primary cardholder.
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The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. All trade-marks are the property of their respective owners. ® / MBNA and other trade-marks are the property of The Toronto-Dominion Bank.
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1 Provided by Avis Rent A Car System. Minimum discount offer subject to discount code and to terms and conditions at www.avis.ca/mbna which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/miles charges only. Other charges, including taxes, may apply. The Toronto Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System.
2 Provided by Budget Rent A Car System. Minimum discount offer subject to discount code and to terms and conditions at www.budget.ca/mbna which may change without notice. Blackout dates may apply. Base rate is based on time and kilometer/miles charged only. Other charges, including taxes, may apply. The Toronto Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System.
Requesting a balance transfer can be a convenient way to pay less in interest charges and consolidate what you owe into one monthly payment, subject to available credit and applicable fees, if any.
MBNA gives you two options for balance transfers:
You can transfer high-interest balances from other credit cards to your MBNA card,
Or you can use your available credit from an MBNA card to transfer funds to your personal chequing account, allowing you to quickly access your cash.
Need to request a balance transfer? Just follow these easy steps!
Log in to your MBNA account. From the My Accounts page, select one of the available options.
Next, select how you would like to make a balance transfer.
Want to transfer a balance to your MBNA card? For each credit card balance you would like to transfer, enter the card details, and transfer amount. Note that your transfer amount cannot exceed your available credit.
Select “Calculate totals”. Your total includes the balance transfer fee, if applicable. You can also see how much credit you’ll have remaining.
Read and agree to the terms and conditions. Pay attention to fees, if any, that may apply to your offer. When you’re ready, select “Confirm.”
You can also transfer funds using available credit from your MBNA card to your chequing account. You’ll need to enter your bank information, the amount to be transferred, and credit card details.
Your total includes the balance transfer fee. You can also see how much credit you’ll have remaining.
Read and agree to the terms and conditions, paying attention to any fees. Select “Confirm.”
It’s that easy to request a balance transfer.
To get started today, visit www.mbna.ca.
The screenshots provided in the video are for illustrative purposes only. Rates and fee structures may differ for Quebec customers.
Give Your Finances a Lift.
Open on a young woman in a grocery store, happily pushing her cart toward the check out aisle. We only see her from the waist up.
As she pushes her cart, the viewer notices something is off, rather than walking with her cart, it appears she’s gliding.
The woman reaches the check out and gets in line.
Cut to an annoyed woman in line behind our hero. She gives our hero a disapproving look. Looking her up and down as if she did something wrong.
NARRATOR: When you're not weighed down by high interest rates…
Cut to a man behind the disapproving woman. He looks toward our hero with curiosity. It’s clear he’s trying to figure out what her deal is.
NARRATOR: …life lightens up.
Cut back to our hero from the waist up. A self-checkout is now free and she makes her way towards it.
We pan out to reveal her full body, we see that she’s floating — this is the surprising reason everyone has been looking at her.
NARRATOR: MBNA True Line Mastercards have low interest rates on balance transfers and purchases to give your finances a lift.
Cut to our hero at the check out pulling out her MBNA card. She’s ready to make her purchase.
Cut to another shopper in line looking at our hero. Unlike the other customers, he thinks it’s great she’s floating. He looks up at her and gives an approving smile and nod. The floating woman looks at him, smiles and salutes him with her card.
Cut to end slate. We see both cards represented by a balloon. The MBNA True Line® Mastercard® is blue, the MBNA True Line® Gold Mastercard® is gold.
NARRATOR: Find the credit card that’s right for you.
BALLOON COPY (GOLD):
MBNA True Line® Gold Mastercard®
with elevated benefits
BALLOON COPY (BLUE):