Head-to-Head: CIBC Aventura Visa Infinite vs RBC Visa Infinite Avion

To the point Here's our detailed comparison of MBNA TrueLine Mastercard and CIBC Select Visa.

Balance Transfer Exclusive Benefits and Savings Standard Balance Transfer Interest Rates

Annual Fees Insurance Minimum Income Bottom Line

Financial institutions MBNA and CIBC both offer a credit card with a balance transfer option at 0% interest :

But which of these cards offers the best rate?

**Please note that the MBNA TrueLine Mastercard credit card is not available in Quebec.

Welcome bonus - Balance Transfer

Both credit cards offer a welcome bonus.

When you subscribe to the MBNA True Line^® Mastercard^® (Outside Quebec), you get balance transfers for :

0% interest on balance transfers for 12 months
3% transfer fee

With the CIBC Select Visa* Card, you will receive balance transfers for :

0% interest for 10 months
1% transfer fee

Advantage: CIBC Select Visa* Card

Both cards offer a 0% interest rate.

However, the CIBC Select Visa* Card has a transfer rate of 1%, which is lower than its competitor’s 3%.

Exclusive Benefits and Savings

Thanks to certain partners, credit cards offer more points or useful discounts for everyday purchases.

The MBNA True Line^® Mastercard^® (outside Quebec ) is very simple.

Get up to 9 additional cards at no annual fee
Around-the-clock fraud protection
Card made entirely of recycled plastic
Minimum 5% discount on Review and Budget car rentals

The CIBC Select Visa* Card has the same Visa Infinite advantages as its competitor.

Up to 3 additional cards at no annual fee
Personalized convenience cheques
Link your card to Journie Rewards to save up to 10 cents per liter on gas at Ultramar, Pioneer, Fas Gas and Chevron.
Up to 25% off Avis and Budget car rentals

Advantage: CIBC Select Visa* Card

For its general benefits, the CIBC Select Visa* Card wins this round.

Standard Balance Transfer Interest Rates

Apart from the promotional 0% interest rate, the MBNA True Line^® Mastercard^® credit card (Non Quebec Residents) and CIBC Select Visa* Card offer standard interest rates.

The standard interest rate for MBNA True Line^® Mastercard^® credit card (Non Quebec Residents) is 17.99%.

The CIBC Select Visa* Card’s standard interest rate is 13.99%.

Advantage: CIBC Select Visa* Card

The CIBC Select Visa* Card ‘s standard interest rate is the better of the two cards, since it’s lower.

Annual Fees

Let’s see which card is the least expensive.

The MBNA True Line^® Mastercard^® credit card (Non Quebec Residents) has an annual fee of $0. Easy to remember!

The CIBC Select Visa* Card has an annual fee of $29.

However, this card often has a reimbursement promotion to cover the fee. At present, the fee is fully reimbursed for 2 years.

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With an annual fee of $0 at all times, it’s an obvious choice.

Insurance

Both credit cards offer some insurances… or not!

The MBNA True Line^® Mastercard^® credit card (Non Quebec Residents) has no insurance coverage.

Travel medical insurance	None
Insurance – Public transportation	None
Other insurances	None

The CIBC Select Visa* Card offers something similar for insurance. View the insurance summary here:

Travel medical insurance	Optional at extra cost
Insurance – Public transportation	100 000 $
^CIBC Payment Protector InsuranceTM	Available at additional cost

Advantage: CIBC Select Visa* Card

For a card with little or no annual fee, it’s difficult for a financial institution to offer comprehensive insurance.

Even so, the CIBC Select Visa* Card is slightly superior. At an additional cost, it is possible to have certain coverages, and it offers coverage in the event of a problem on public transport abroad.