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MBNA True Line® Mastercard® credit card vs Scotiabank Value® Visa* Card

A field-by-field comparison of MBNA True Line® Mastercard® credit card and Scotiabank Value® Visa* Card, built from the same card data that powers our comparison tools. Every figure below traces back to a data field — nothing here is an editorial estimate.

Key features at a glance

FeatureMBNA True Line® Mastercard® credit cardScotiabank Value® Visa* Card
IssuerMBNAScotiabank
Network
Annual fee$0Better on this row$0 $29
Foreign transaction fee2.5%2.5%
Min. annual income$0$12,000+
Purchase interest rate12.99%Better on this row13.99%

The short answer

MBNA True Line® Mastercard® credit cardScotiabank Value® Visa* Card

One of these cards has no points valuation on file, so the two cannot be compared in dollars. The side-by-side table below still applies.

  • MBNA True Line® Mastercard® credit card has no annual fee, while Scotiabank Value® Visa* Card charges $29 a year.
  • Scotiabank Value® Visa* Card waives its $29 annual fee for the first year.

Open both in the full comparison tool

Where each card wins

MBNA True Line® Mastercard® credit card

In its favour

  • MBNA True Line® Mastercard® credit card has no annual fee, while Scotiabank Value® Visa* Card charges $29 a year.

Against it

No material difference in this card's favour was found in the data we compare.

Scotiabank Value® Visa* Card

In its favour

  • Scotiabank Value® Visa* Card waives its $29 annual fee for the first year.

Against it

No material difference in this card's favour was found in the data we compare.

Welcome offer

FeatureMBNA True Line® Mastercard® credit cardScotiabank Value® Visa* Card
Our valuationDepends on how you spend—$29

Income required

FeatureMBNA True Line® Mastercard® credit cardScotiabank Value® Visa* Card
Min. annual income$0$12,000+
Min. household income$0$12,000+

Annual fee and rates

FeatureMBNA True Line® Mastercard® credit cardScotiabank Value® Visa* Card
Annual fee$0Better on this row$0 $29
Additional card$0$0
First year free✗✓
Foreign transaction fee2.5%2.5%
Purchase interest rate12.99%Better on this row13.99%
Purchase rate (Quebec)12.99%13.99%
Cash advance rate24.99%13.99%

Card details

FeatureMBNA True Line® Mastercard® credit cardScotiabank Value® Visa* Card
Network
IssuerMBNAScotiabank

Which one wins, by spending profile

One of these cards has no points valuation on file, so the two cannot be compared in dollars. The side-by-side table below still applies.

Frequently asked questions

Which costs less per year, MBNA True Line® Mastercard® credit card or Scotiabank Value® Visa* Card?

MBNA True Line® Mastercard® credit card charges $0 a year, against $29 for Scotiabank Value® Visa* Card.

Which is better for spending in another currency, MBNA True Line® Mastercard® credit card or Scotiabank Value® Visa* Card?

Both charge 2.5% on purchases in another currency.

Do these earn rates have spending caps?

Yes — where a card caps a category, the ceiling is stated next to the rate on this page, along with what the card earns beyond it.

How we compare

  • Every figure on this page is read from the card data we maintain — annual fees, foreign transaction fees, earn rates, spending caps, welcome offers, insurance and lounge access.
  • Points are valued at our published valuation for each card's loyalty program. Cash back is counted at face value.
  • The spending profiles are standard baskets, not your spending. The share charged in a foreign currency is a stated scenario assumption.
  • Year one and the years after are kept separate: the welcome bonus and any first-year fee waiver only count in year one.
  • We may earn a commission when you apply through the links on this page. It never changes the figures above — they come from the same data for every card.

Ready to apply?

Applications are submitted on the issuer's own site. Nothing you read above changes if you apply from here.