{"id":248079,"date":"2024-09-02T04:36:00","date_gmt":"2024-09-02T08:36:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=248079"},"modified":"2026-05-21T10:57:44","modified_gmt":"2026-05-21T14:57:44","slug":"comparison-credit-card-mastercard-the-real-line-mbna-vs-select-card-cibc-visa","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-credit-card-mastercard-the-real-line-mbna-vs-select-card-cibc-visa\/","title":{"rendered":"Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The financial institutions <a href=\"https:\/\/milesopedia.com\/en\/cards\/mbna\/\" target=\"_blank\" rel=\"noopener\">MBNA<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/cards\/cibc\/\" target=\"_blank\" rel=\"noopener\">CIBC<\/a> each offer a credit card with <strong>0% interest balance transfer offers<\/strong>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\" rel=\"noindex\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-select-visa-card\/\" target=\"_blank\" rel=\"noopener\">CIBC Select Visa* Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">But which of these cards is the better deal with such an attractive rate?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>**Please note that the MBNA True Line Mastercard credit card is not available in Quebec. <\/em><\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"158810,91259\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 id=\"h-welcome-bonus-balance-transfer\" class=\"wp-block-heading\">Welcome bonus &#8211; Balance transfer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both credit cards offer a welcome bonus.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line FR\" class=\"wp-image-193140\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">When you apply for theMBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><a title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\" rel=\"noindex\"> (Outside Quebec)<\/a>, you get the following for balance transfers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/mbna-true-line-balance-transfer-offer\/\">0% interest on balance transfers for 12 months<\/a><\/li>\n\n\n\n<li>3% transfer fee<\/li>\n<\/ul><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs. CIBC Select Visa Card - CIBC Select Visa front fr\" class=\"wp-image-167871\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-select-visa-card\/\" target=\"_blank\" rel=\"noopener\">CIBC Select Visa* Card<\/a>, you will get the following for balance transfers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/cibc-balance-transfer-card\/\">0% interest for 10 months<\/a><\/li>\n\n\n\n<li>1% transfer fee<\/li>\n<\/ul><\/div>\n<\/div>\n<\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"238312,89631\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h5 id=\"h-advantage-cibc-select-visa-card\" class=\"wp-block-heading\">Advantage: CIBC Select Visa* Card<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Both cards offer a 0% interest rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, the <a rel=\"noindex\" title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" data-shortcode=\"true\">CIBC Select Visa* Card<\/a> has a 1% transfer fee, which is lower than its competitor\u2019s 3%.<\/p>\n<\/div><\/div>\n\n\n\n<h3 id=\"h-exclusive-benefits-and-savings\" class=\"wp-block-heading\">Exclusive Benefits and Savings<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Thanks to certain partners, credit cards offer more points or useful discounts for everyday purchases.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line FR\" class=\"wp-image-193140\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">TheMBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><a title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\" rel=\"noindex\"> (Outside Quebec)<\/a> is very straightforward.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Up to 9 additional cards with no annual fee<\/li>\n\n\n\n<li>Fraud protection at all times<\/li>\n\n\n\n<li>Card made entirely from recycled plastic<\/li>\n\n\n\n<li>At least 5% off Avis and Budget car rentals<\/li>\n<\/ul><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs. CIBC Select Visa Card - CIBC Select Visa front fr\" class=\"wp-image-167871\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-select-visa-card\/\" target=\"_blank\" rel=\"noopener\">CIBC Select Visa* Card<\/a> offers the same Visa Infinite benefits as its competitor.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Up to 3 additional cards with no annual fee<\/li>\n\n\n\n<li>Personalized Practical Cheques available to order<\/li>\n\n\n\n<li>Link your card to Journie Rewards to <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/cibc-aventura-visa-infinite-card-offer\/#_conomisez_sur_lessence_gr_ce_a_CIBC_et_a_Recompenses_Journie\" target=\"_blank\" rel=\"noopener\">save up to 10 cents per litre of gas<\/a> at Ultramar, Pioneer, Fas Gas, and Chevron<\/li>\n\n\n\n<li>Up to 25% off Avis and Budget car rentals<\/li>\n<\/ul><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h5 id=\"h-advantage-cibc-select-visa-card-0\" class=\"wp-block-heading\">Advantage: CIBC Select Visa* Card<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">For everyday benefits, the <a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> wins this round.<\/p>\n<\/div><\/div>\n\n\n\n<h3 id=\"h-standard-balance-transfer-interest-rate\" class=\"wp-block-heading\">Standard balance transfer interest rate<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Outside the 0% promotional interest rate, theMBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><a title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\" rel=\"noindex\"> (Outside Quebec)<\/a> and the <a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> have a standard interest rate.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line FR\" class=\"wp-image-193140\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The standard interest rate on theMBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><a title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\" rel=\"noindex\"> (Outside Quebec)<\/a> is 17.99%.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs. CIBC Select Visa Card - CIBC Select Visa front fr\" class=\"wp-image-167871\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The standard interest rate on the <a rel=\"noindex\" title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" data-shortcode=\"true\">CIBC Select Visa* Card<\/a> is 13.99%.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h5 id=\"h-advantage-cibc-select-visa-card-1\" class=\"wp-block-heading\">Advantage: CIBC Select Visa* Card<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">The standard interest rate on the <a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> is the better of the two, as it is lower.<\/p>\n<\/div><\/div>\n\n\n\n<h2 id=\"h-annual-fee\" class=\"wp-block-heading\">Annual Fee<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s see which card costs less.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line FR\" class=\"wp-image-193140\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">TheMBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><a href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\"> (Outside Quebec)<\/a> has a $0 annual fee. Easy to remember!<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs. CIBC Select Visa Card - CIBC Select Visa front fr\" class=\"wp-image-167871\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The <a rel=\"noindex\" title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" data-shortcode=\"true\">CIBC Select Visa* Card<\/a> has a $29 annual fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, this card often comes with a promotion that reimburses this fee. Right now, the fee is fully reimbursed for 2 years. <\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\">With a $0 annual fee at all times, it is an obvious choice.<\/p>\n<\/div><\/div>\n\n\n\n<h2 id=\"h-insurance\" class=\"wp-block-heading\">Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both credit cards offer some insurance&#8230; or not!<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line FR\" class=\"wp-image-193140\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">TheMBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><a href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\"> (Outside Quebec)<\/a> has no insurance coverage.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr style=\"height: 23px;\"><td>Travel Medical Insurance<\/td><td>None<\/td><\/tr><tr style=\"height: 23px;\"><td>Travel insurance &#8211; Public transport<\/td><td>None<\/td><\/tr><tr style=\"height: 12px;\"><td>Other insurance<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs. CIBC Select Visa Card - CIBC Select Visa front fr\" class=\"wp-image-167871\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-select-visa-card\/\" target=\"_blank\" rel=\"noopener\">CIBC Select Visa* Card<\/a> offers something similar in terms of insurance. View the <a href=\"https:\/\/www.cibc.com\/content\/dam\/cibc-public-assets\/personal-banking\/credit-cards\/manage\/agreements-and-insurance\/pdfs\/select-visa-insurance-product-summary-fr.pdf\" target=\"_blank\" rel=\"noopener\">insurance summary here<\/a>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr style=\"height: 23px;\"><td>Travel Medical Insurance<\/td><td>Available as an option at extra cost<\/td><\/tr><tr style=\"height: 23px;\"><td>Travel insurance &#8211; Public transport<\/td><td>$100,000<\/td><\/tr><tr style=\"height: 12px;\"><td>CIBC Payment Protector Insurance<sup>TM<\/sup><\/td><td>Available as an option at extra cost<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h5 id=\"h-advantage-cibc-select-visa-card-2\" class=\"wp-block-heading\">Advantage: CIBC Select Visa* Card<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">For a card with little to no annual fee, it is difficult for a financial institution to offer strong insurance coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even so, the <a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> is slightly better. For an additional cost, certain coverages can be added, and it provides coverage if there is an issue with public transportation abroad. <\/p>\n<\/div><\/div>\n\n\n\n<h2 id=\"h-minimum-income\" class=\"wp-block-heading\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line FR\" class=\"wp-image-193140\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">TheMBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><a href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\"> (Outside Quebec)<\/a> requires:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>a minimum individual income of $0<\/li>\n<\/ul><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA True Line Mastercard Credit Card vs. CIBC Select Visa Card - CIBC Select Visa front fr\" class=\"wp-image-167871\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">To get a <a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a>, you must meet the following easy criterion:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>No minimum personal income is required, but a minimum household annual income of $15,000 is required.<\/li>\n<\/ul><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h5 id=\"h-advantage-mbna-true-line-mastercard-outside-quebec\" class=\"wp-block-heading\">Advantage: MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> (Outside Quebec)<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">The MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> (Outside Quebec) stands out because it requires no minimum personal income or minimum household income, unlike the <a rel=\"noindex\" title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" data-shortcode=\"true\">CIBC Select Visa* Card<\/a>, which requires a minimum household annual income of $15,000.<\/p>\n<\/div><\/div>\n\n\n\n<h2 id=\"h-bottom-line\" class=\"wp-block-heading\">Bottom Line<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">So? Which Card is the winner?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a title=\"CIBC Select Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> has a slight edge thanks to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Its 0% welcome offer and lower 1% transfer fee<\/li>\n\n\n\n<li>Savings of up to 10 cents per litre of gas with the Journie Rewards program<\/li>\n\n\n\n<li>Lower standard interest rate<\/li>\n\n\n\n<li>The option to add insurance coverage<\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Whereas the MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><a title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"https:\/\/milesopedia.com\/en\/go\/true-line-mastercard-credit-card-roc\/\" rel=\"noindex\"> (Outside Quebec)<\/a> offers conveniences such as:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>A 0% interest rate for 2 additional months<\/li>\n\n\n\n<li>A $0 annual fee at all times<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"158810,91259\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"90612\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n    <div class=\"post-preview-thumbnail\">\n\t    <div class=\"shimmer shimmer-dark shimmer-image\"><\/div>\n    <\/div>\n\n    <div class=\"post-preview-content shimmer-post-preview-content\">\n        <div class=\"simmer-bar-group\">\n            <div class=\"shimmer shimmer-dark shimmer-bar\"><\/div>\n            <div class=\"shimmer shimmer-dark shimmer-bar\"><\/div>\n            <div class=\"shimmer shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n\n    <\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 id=\"h-frequently-asked-questions-about-mbna-true-line-mastercard-vs-cibc-select-visa\" class=\"wp-block-heading\">Frequently Asked Questions about MBNA True Line Mastercard vs CIBC Select Visa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are frequently asked questions in <a class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"https:\/\/milesopedia.com\/en\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_offers_the_best_balance_transfer_offer_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card offers the best balance transfer offer?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p class=\"wp-block-paragraph\">It depends on how long you need. The <strong>MBNA True Line Mastercard<\/strong> offers <strong>0% for 12 months<\/strong> with a <strong>3% transfer fee<\/strong>. The <strong>CIBC Select Visa Card<\/strong> offers <strong>0% for 10 months<\/strong> with a <strong>fee of only 1%<\/strong>. On a $10,000 transfer, MBNA charges $300 in fees versus $100 for CIBC. If you repay within 10 months, CIBC saves you $200. If you need the extra 2 months, MBNA remains the right choice despite the higher fees.     <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_are_the_interest_rates_after_the_promotion_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the interest rates after the promotion?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p class=\"wp-block-paragraph\">At the end of the promotional period, the <strong>MBNA True Line returns to 17.99% APR<\/strong>, while the <strong>CIBC Select charges only 13.99% APR<\/strong>, one of the lowest standard rates in Canada. If you may carry a balance after the promotion, CIBC\u2019s 4-percentage-point gap makes a real difference: on a remaining balance of $5,000, the savings reach $200 per year, which more than offsets the CIBC Select\u2019s $29 annual fee. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_the_29_annual_fees_really_reimbursed_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre the $29 annual fees really reimbursed?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p class=\"wp-block-paragraph\">Yes, but temporarily. CIBC is currently reimbursing the $29 annual fee for the <strong>first 2 years<\/strong> as part of its promotional offer. After the 2nd year, the $29 returns unless you downgrade or cancel. The <strong>MBNA True Line<\/strong> is permanently at <strong>$0 annual fee<\/strong>. To minimize long-term cost, MBNA wins. For a debt repayment plan over 1 to 2 years, CIBC remains more advantageous thanks to its lower interest rate.     <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_these_cards_earn_rewards_on_purchases_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo these cards earn rewards on purchases?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p class=\"wp-block-paragraph\">No, these cards are designed for debt management, not rewards. The <strong>MBNA True Line<\/strong> offers a recycled-plastic card and basic discounts on car rentals. The <strong>CIBC Select Visa<\/strong> adds more tangible perks: up to <strong>10\u00a2\/L in savings<\/strong> with Journie Rewards (gas), optional travel and balance insurance, and enhanced car rental discounts (up to 25%). Neither card earns points or cash back on purchases; pair them with a rewards card for your everyday spending.   <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here is our detailed comparison of the MBNA True Line Mastercard and the CIBC Select Visa* Card.<\/p>","protected":false},"author":3,"featured_media":394024,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"427946,360100,195878,473720,465895,236094","_relevanssi_noindex_reason":"","ai_generated_summary":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-248079","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-cibc-en","mc_market-all-of-canada","tutorial-comparisons","travel_type-budget-travel"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card<\/title>\n<meta name=\"description\" content=\"Here is our detailed comparison of the MBNA True Line Mastercard credit card and the CIBC Select Visa* Card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-credit-card-mastercard-the-real-line-mbna-vs-select-card-cibc-visa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comparison: MBNA True Line Mastercard Credit Card vs CIBC Select Visa* Card\" \/>\n<meta property=\"og:description\" content=\"Here is our detailed comparison of the MBNA True Line Mastercard credit card and the CIBC Select Visa* Card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-credit-card-mastercard-the-real-line-mbna-vs-select-card-cibc-visa\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-02T08:36:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-21T14:57:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/06\/Cartes-Comparatifs-02-MBNA-LaVraieLigne-CIBCvisaSelecte-ENG.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1260\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jean-Maximilien Voisine\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/reviews\\\/credit-cards\\\/comparison-credit-card-mastercard-the-real-line-mbna-vs-select-card-cibc-visa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/reviews\\\/credit-cards\\\/comparison-credit-card-mastercard-the-real-line-mbna-vs-select-card-cibc-visa\\\/\"},\"author\":{\"name\":\"Jean-Maximilien Voisine\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/910fb721150b290316f16836cc905cad\"},\"headline\":\"Comparison: MBNA True Line Mastercard Credit Card vs CIBC 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