{"id":248079,"date":"2024-09-02T04:36:00","date_gmt":"2024-09-02T08:36:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=248079"},"modified":"2026-05-09T08:33:21","modified_gmt":"2026-05-09T08:33:21","slug":"comparison-credit-card-mastercard-the-real-line-mbna-vs-select-card-cibc-visa","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-credit-card-mastercard-the-real-line-mbna-vs-select-card-cibc-visa\/","title":{"rendered":"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card"},"content":{"rendered":"\n<p>Financial institutions like <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/mbna\/\" target=\"_blank\" rel=\"noopener\">MBNA<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/cibc\/\" target=\"_blank\" rel=\"noopener\">CIBC<\/a> each offer a credit card with <strong>balance transfer at 0% interest<\/strong> :<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a target=\"_blank\" title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"\/go\/mbna-vraie-ligne-can\/\" rel=\"noindex\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-selecte-cibc-visa\/\" target=\"_blank\" rel=\"noopener\">CIBC Select Visa* Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>But which of these cards offers the best rate?<\/p>\n\n\n\n<p><em>**Please note that the MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> 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 class=\"wp-block-heading\" id=\"h-welcome-bonus-balance-transfer\">Welcome bonus &#8211; Balance Transfer<\/h2>\n\n\n\n\n\n<p>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-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line EN\" class=\"wp-image-193141\"\/><\/figure>\n<\/div>\n\n\n<p>By applying for the <a target=\"_blank\" title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"\/go\/mbna-vraie-ligne-can\/\" rel=\"noindex\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/a>, you get for balance transfers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - CIBC Select Visa front en\" class=\"wp-image-167872\"\/><\/figure>\n<\/div>\n\n\n<p>Thanks to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-selecte-cibc-visa\/\" target=\"_blank\" rel=\"noopener\">CIBC Select Visa* Card<\/a>, you&#8217;ll get for balance transfers&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n<\/div>\n\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\n<h5 class=\"wp-block-heading\" id=\"h-advantage-cibc-select-visa-card\">Advantage: CIBC Select Visa* Card<\/h5>\n\n\n\n<p>Both cards offer a 0% interest rate.<\/p>\n\n\n\n<p>However, CIBC Select Visa* Card has a transfer rate of 1%, which is lower than its competitor&#8217;s 3%.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exclusive-benefits-and-savings\">Exclusive Benefits and Savings<\/h3>\n\n\n\n<p>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-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line EN\" class=\"wp-image-193141\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"\/go\/mbna-vraie-ligne-can\/\" rel=\"noindex\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/a> is very simple.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Get up to 9 additional cards at no annual fee<\/li>\n\n\n\n<li>Fraud protection at all times<\/li>\n\n\n\n<li>Card made entirely of recycled plastic<\/li>\n\n\n\n<li>At least 5% discount on Review and Budget car rentals<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - CIBC Select Visa front en\" class=\"wp-image-167872\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-selecte-cibc-visa\/\" target=\"_blank\" rel=\"noopener\">CIBC Select Visa* Card<\/a> has the same Visa Infinite advantages 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 at no annual fee<\/li>\n\n\n\n<li>Personalized convenience cheques<\/li>\n\n\n\n<li>Link your card to Journie Rewards to <a href=\"https:\/\/mp-2702.milesopedia.dev\/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 liter on gas<\/a> at Ultramar, Pioneer, Fas Gas and Chevron.<\/li>\n\n\n\n<li>Up to 25% off Review and Budget car rentals<\/li>\n<\/ul><\/div>\n\n<\/div>\n\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\n<h5 class=\"wp-block-heading\" id=\"h-advantage-cibc-select-visa-card\">Advantage: CIBC Select Visa* Card<\/h5>\n\n\n\n<p>For its everyday benefits, the <a target=\"_blank\" title=\"CIBC Select Visa* Card\" href=\"\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> wins this round.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-standard-balance-transfer-interest-rate\">Standard balance transfer interest rate<\/h3>\n\n\n\n<p>Apart from the promotional 0% interest rate, the <a target=\"_blank\" title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"\/go\/mbna-vraie-ligne-can\/\" rel=\"noindex\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/a> and <a target=\"_blank\" title=\"CIBC Select Visa* Card\" href=\"\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> offer a standard interest rate.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line EN\" class=\"wp-image-193141\"\/><\/figure>\n<\/div>\n\n\n<p>The standard interest rate for the <a target=\"_blank\" title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"\/go\/mbna-vraie-ligne-can\/\" rel=\"noindex\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/a> is 17.99%.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - CIBC Select Visa front en\" class=\"wp-image-167872\"\/><\/figure>\n<\/div>\n\n\n<p>The standard interest rate on CIBC Select Visa* Card is 13.99%.<\/p>\n\n<\/div>\n\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\n<h5 class=\"wp-block-heading\" id=\"h-advantage-cibc-select-visa-card\">Advantage: CIBC Select Visa* Card<\/h5>\n\n\n\n<p>The standard interest rate on the <a target=\"_blank\" title=\"CIBC Select Visa* Card\" href=\"\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> is the better of the two cards, as it is lower.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n<p>Let&#8217;s see which card is the least expensive.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line EN\" class=\"wp-image-193141\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" href=\"\/go\/mbna-vraie-ligne-can\/\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/a> has an annual fee of $0. Easy to remember!<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - CIBC Select Visa front en\" class=\"wp-image-167872\"\/><\/figure>\n<\/div>\n\n\n<p>CIBC Select Visa* Card has an annual fee of $29.<\/p>\n\n\n\n<p>However, this card often has a reimbursement promotion to cover the fee. At present, the fee is fully reimbursed for 2 years.<\/p>\n\n<\/div>\n\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\n<p>With an annual fee of $0 at all times, it&#8217;s an obvious choice.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<p>Both credit cards offer some insurances&#8230; or not!<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line EN\" class=\"wp-image-193141\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" href=\"\/go\/mbna-vraie-ligne-can\/\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/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>No<\/td><\/tr><tr style=\"height: 23px;\"><td>Insurance &#8211; Public transportation<\/td><td>No<\/td><\/tr><tr style=\"height: 12px;\"><td>Other insurances<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - CIBC Select Visa front en\" class=\"wp-image-167872\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-selecte-cibc-visa\/\" target=\"_blank\" rel=\"noopener\">CIBC Select Visa* Card<\/a> offers something similar for 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>Optional at extra cost<\/td><\/tr><tr style=\"height: 23px;\"><td>Travel Public Transportation Insurance<\/td><td>$100,000<\/td><\/tr><tr style=\"height: 12px;\"><td><sup>CIBC<\/sup> Payment Protector InsuranceTM<\/td><td>Available at additional cost<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<\/div>\n\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\n<h5 class=\"wp-block-heading\" id=\"h-advantage-cibc-select-visa-card\">Advantage: CIBC Select Visa* Card<\/h5>\n\n\n\n<p>For a card with little or no annual fee, it&#8217;s difficult for a financial institution to offer comprehensive insurance.<\/p>\n\n\n\n<p>Even so, the <a target=\"_blank\" title=\"CIBC Select Visa* Card\" href=\"\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> is slightly higher. 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.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2022\/02\/MBNA-True-Line-EN.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - MBNA True Line EN\" class=\"wp-image-193141\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" href=\"\/go\/mbna-vraie-ligne-can\/\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/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\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Select_Visa_front_eng.png\" alt=\"Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card - CIBC Select Visa front en\" class=\"wp-image-167872\"\/><\/figure>\n<\/div>\n\n\n<p>To get a <a target=\"_blank\" title=\"CIBC Select Visa* Card\" href=\"\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card, you must have the following easy criteria:<\/a><\/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\n<\/div>\n\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\n<h5 class=\"wp-block-heading\" id=\"h-advantage-draw\">Advantage: Draw<\/h5>\n\n\n\n<p>It&#8217;s easy to reach the minimum income required for both cards!<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So? Which Card is the winner?<\/p>\n\n\n\n<p>The <a target=\"_blank\" title=\"CIBC Select Visa* Card\" href=\"\/go\/cibc-select-visa-card\/\" rel=\"noindex\">CIBC Select Visa* Card<\/a> has a slight lead thanks to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>0% interest rate welcome offer and lowest transfer fee of 1%.<\/li>\n\n\n\n<li>Save up to 10 cents per liter on gas with the Journie Rewards program<\/li>\n\n\n\n<li>Lowest standard interest rate<\/li>\n\n\n\n<li>Its ability to add insurance coverage<\/li>\n<\/ul><\/div>\n\n\n\n<p>While the <a target=\"_blank\" title=\"MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card\" href=\"\/go\/mbna-vraie-ligne-can\/\" rel=\"noindex\">MBNA True Line<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> credit card<\/a> offers conveniences such as:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>0% interest for 2 more months<\/li>\n\n\n\n<li>$0 annual fee all the time<\/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 class=\"wp-block-heading\" id=\"h-faq-mbna-trueline-vs-cibc-select\">Frequently Asked Questions about MBNA TrueLine Mastercard vs CIBC Select Visa<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/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_has_the_better_balance_transfer_offer_overall_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has the better balance transfer offer overall?\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>It depends on how long you need. The <strong>MBNA TrueLine Mastercard<\/strong> offers <strong>0% interest for 12 months<\/strong> with a <strong>3% transfer fee<\/strong>, while the <strong>CIBC Select Visa<\/strong> offers <strong>0% for 10 months<\/strong> with a much lower <strong>1% fee<\/strong>. On a $10,000 transfer, MBNA charges $300 in fees vs $100 with CIBC. If you can pay off the balance in 10 months, CIBC saves you $200. If you need the extra 2 months of breathing room, MBNA is worth the higher 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=\"what_are_the_standard_interest_rates_after_the_promo_ends_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the standard interest rates after the promo ends?\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>Once the introductory period ends, the <strong>MBNA TrueLine reverts to 17.99% APR<\/strong>, while the <strong>CIBC Select Visa charges only 13.99% APR<\/strong>, one of the lowest standard rates in Canada. If there is any chance you will carry a balance after the promo period, CIBC&#8217;s 4 percentage point lower rate makes a meaningful difference. On a $5,000 lingering balance, the gap is $200 in interest per year, which more than offsets CIBC&#8217;s $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=\"is_the_29_annual_fee_on_the_cibc_select_really_waived_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs the $29 annual fee on the CIBC Select really waived?\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>Yes, but only temporarily. CIBC currently rebates the $29 primary annual fee for the <strong>first 2 years<\/strong> as part of an ongoing promotional offer. After year 2, the $29 fee returns unless you downgrade or cancel. The MBNA TrueLine, by contrast, is permanently <strong>$0 annual fee<\/strong>. For pure long-term cost minimization, MBNA wins. If you only need the card during a planned debt paydown of 1 to 2 years, CIBC&#8217;s lower interest rate makes it the better total-cost choice.<\/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_either_of_these_cards_offer_rewards_or_perks_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo either of these cards offer rewards or perks?\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>Both cards are designed for debt management, not rewards. <strong>MBNA TrueLine<\/strong> offers a recycled-plastic card and basic car rental discounts only. <strong>CIBC Select Visa<\/strong> includes more practical extras: up to <strong>10 cents per litre savings<\/strong> at Journie Rewards gas stations, optional travel and balance protection insurance, and stronger car rental discounts (up to 25% off). Neither card earns points or cash back on purchases, so use them for the balance transfer and pair with a separate rewards card for everyday spend.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s our detailed comparison of MBNA TrueLine Mastercard and CIBC Select Visa.<\/p>","protected":false},"author":127,"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":"","_relevanssi_noindex_reason":"","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 v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comparison: MBNA TrueLine Mastercard Credit Card vs CIBC Select Visa* Card | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here&#039;s our detailed comparison of the MBNA TrueLine Mastercard and CIBC Select Visa credit cards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/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 TrueLine Mastercard Credit Card vs CIBC Select Visa* Card\" \/>\n<meta property=\"og:description\" content=\"Here&#039;s our detailed comparison 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