MBNA True Line Gold Mastercard

We haven’t included a verified welcome offer in this estimate. That doesn’t mean no promotion is available. Check the issuer’s current offer and eligibility conditions.

Purchases 10.99%; standard balance transfers 13.99%. Cash advances 20.99% in Quebec, 24.99% elsewhere.

A 2.5% conversion fee applies to foreign purchases and to foreign refunds. The original fee is not returned. Refund exchange rates may differ.

At least 21 days on purchases when you pay the full statement balance. No grace period for cash advances or transfers. Quebec's grace-period wording also covers fees and eligible prior-purchase interest; see your information box.

Outside Quebec: $10 plus new interest, fees, overdue minimums and overlimit amounts. Quebec: greater of $10 or 5% of the balance, plus overdue minimums and overlimit amounts. Pay the full balance if below $10.

Outside Quebec: cash advances and standard transfers cost 1%, minimum $3.50; other promotional transfers may cost up to 5%, minimum $3.50. Cash-advance fee is waived when the account is in credit. Quebec's information box does not list these transaction fees.

Copies cost $2.50 each. Outside Quebec: returned payment $10; overlimit $29 per statement; inactive credit balance charge is the lesser of $10 or the credit balance after 12 inactive cycles. These three charges are not listed in Quebec's box.

Two missed minimum payments in 12 statement periods can raise purchase APR to 19.99% and transfer/advance APR to 24.99%. Higher rates begin in the second following period; 12 consecutive on-time minimum payments restore standard rates.

Up to nine authorized users with no additional annual fee.

Purchase assurance: 90 days for eligible theft/damage; $60,000 lifetime per account. Computers $1,000 per loss; jewellery/art $500 per item per loss. Full payment and exclusions apply.

Extended warranty: doubles eligible manufacturer coverage by up to one year; warranty must be valid in Canada. Warranties longer than five years require registration within a year of purchase.

It depends on whether the extra rewards and benefits you actually use outweigh the $39 annual fee. Use your spending to compare the ongoing value after fees.

The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.

We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.