MBNA: Earn 0% interest for 12 months on balance transfers

Updated Oct 8, 2025
Fact checked by
Jean-Maximilien Voisine
Jean-Maximilien Voisine Jean-Maximilien Voisine
Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.
All posts by Jean-Maximilien Voisine
mbna true line
To the point Here's Canada's best balance transfer credit card offer (not available in Quebec): 0% interest for 12 months.

Balance transfer offer

The MBNA True Line® Mastercard® credit card is one of Canada’s best options for a low-cost balance transfer. It’s ideal for reducing interest charges and consolidating your debts onto one card.

With this card, you benefit from a 0% interest rate for 12 months on balance transfers made within 90 days of account opening. Transfer fees are a competitive 3%.

This card offers fraud protection, guaranteeing the security of your transactions.

If you want to transfer balances from high-rate cards, the MBNA True Line® Mastercard® credit card allows you to benefit from a 0% rate and pay off your debts at your own pace without high-interest charges during the promotional period.

In short, the MBNA True Line® Mastercard® credit card is an excellent choice for reducing debt and optimizing balance transfers.

Our advice on credit card balance transfer

We remind you: travel should not be done through debt. However, if you’re paying high interest charges on a credit card balance every month, don’t hesitate to take advantage of a credit card balance transfer offer like this one with the MBNA True Line® Mastercard® credit card.

Then plan a strategy to pay off your credit card debt:

  • Do not make any new purchases on this new credit card: gradually pay down the credit card balance you have transferred by setting yourself a timetable, ideally for the next 6 months.
  • Use your old credit card for all your day-to-day expenses and pay it in full each month, without leaving a balance behind as you may have done in the past.
  • If you can’t manage it, make an appointment with your bank advisor to set up a more solid strategy (with a mortgage line of credit, for example, or a personal loan whose rate will often be much lower (4 to 5% instead of the 12 to 20% of credit card interest rates).

Check out the best credit card balance transfer offers.

Come to discuss that topic in our Facebook Group!
Marie-Ève Leclerc
Marie-Ève Leclerc
Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.
All posts by Marie-Ève Leclerc

Receive our newsletter every week!

Savings are here (if you don’t see the sign-up form, please click here):

Milesopedia