Credit Cards details

Your chosen card

Exclusive

You won't get this card on any other comparison site

To apply for this card

Go to the MBNA website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

The basics

  • Representative APR 18.9%(variable)
  • Payment Network Visa
  • Balance transfer fee 1.45%
  • Balance must be transferred within 60 days

Card features

Great for
You can transfer money to your current account and pay no interest for 20 months (you'll have to pay a 4% fee)
But be aware that
Please be aware that if you haven’t been pre-approved the APR and length of the promotional offer may vary and it is dependent on your personal circumstances.
You must transfer a balance within the first 60 days to get the promotional offer
You can't transfer a balance from another card issued by MBNA

Is this card right for you?

To take this card you

  • Must be aged 18 or over
  • Must have been a permanent UK resident for three years or more
  • Must have a UK bank or building society account
  • Must have a good credit rating/history

Introductory interest rates

Rate Duration
Purchases - -
Cash advances - -
Balance transfers 0% 37 months
Cheque advances - -
Money transfers 0% 20 months

Long term interest rates

Monthly Annual
Purchases 1.456% 18.9%
Cash advances 2.075% 27.9%
Balance transfers 1.597% 20.9%
Cheque advances - -
Money transfers 1.736% 22.9%
Price for risk Yes

Fees

Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 2.99%
Foreign exchange non-EU 2.99%
Return payment £12
Copies of statements -
Handling fee Min fee Max fee
Cash advances 5% - -
Cheque advances - - -
Balance transfers 1.45% - -
Money transfers 4% - -

Repayment details

  • Interest free period - 49 days
  • Your monthly minimum payment will be the greater of:
    • The full balance if less than £25
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:
    MBNA allocate your payment to amounts that are charged at higher interest rates before those that are charged at lower interest rates.

    • If MBNA charge interest at the same rate on different parts of your balance, they will allocate your payment to the introductory rate first.
    • If two or more introductory rates are the same MBNA will pay off the introductory rate with the earliest start date first.
    • If the introductory rates have the same start date then MBNA will pay off that part which will be charged at the highest standard rate at the end of the introductory period.
    • MBNA will then apply your payment to balance transfers, cash advances, money transfers and purchases, in that order.

Credit limit

Minimum credit limit -
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards No rewards

How your promotional rates will change

  • After 37 months, the rate on Balance Transfers will go from 0% to 20.9%.
  • The rate on purchases is 18.9%.

Fees to be aware of

  • For a balance transfer, you'll be charged 1.45% of the balance you're transferring.

About MBNA

MBNA has been issuing credit cards in the UK for over 20 years, giving them a wealth of experience. Their customers voted them Credit Card Provider of the Year at the Consumer Moneyfacts Awards in 2014, 2015, 2016 and 2017. Working with a number of partners, MBNA aims to offer benefits, flexibility and choice across a variety of credit card types. With an emphasis on security, innovations such as contactless and mobile payments, and smart ways to manage your account (including an app), MBNA continues to cater for a wide range of customer needs.

Exclusive

You won't get this card on any other comparison site

To apply for this card

Go to the MBNA website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

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