MBNA credit cards

How to choose the right MBNA credit card

MBNA has an impressive range of credit cards with headline-grabbing interest-free periods

Once a part of the Maryland National Bank and based in America, MBNA has had its UK headquarters in Chester since 1993. It joined the Lloyds Banking Group in 2017, and now concentrates on loans and credit cards.

MBNA credit cards are notable for their excellent terms and customer service, as well as their decent default rates once offer periods have expired. There are plenty of cards available to suit very different needs.

How do MBNA credit cards compare?

There’s an MBNA credit card for almost every occasion, though the exact terms you get for each will depend on your personal circumstances, especially your credit rating.

Generally speaking, MBNA has excellent headline offers on its cards, but it’s worth thinking carefully about what you need a credit card for before you take the plunge.

  • 0% balance transfers: Balance transfer credit cards are used to consolidate other debts. MBNA offers lengthy periods of 0% interest on debts you move to its credit cards. The shorter your interest-free period, the lower the one-off transfer fee
  • 0% money transfers: These are designed to let you transfer lump sums between credit cards and other bank accounts
  • 0% purchase cards: This type of card lets you make large purchases without interest for a set number of months
  • All-round credit cards: You can also apply for MBNA credit cards which come with a range of features, allowing you to make interest-free or low-interest purchases and balance transfers for respectable periods

Compare MBNA credit cards - Sorted by APR

 

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Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

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 to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. 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.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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Main features

Rate type
Rate
Duration
Balance transfers
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Purchases
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Money transfers
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Fees

Fee type
Fee
Min fee
Balance transfers
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Cash advances
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Money transfers
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Fixed fees
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Annual fee
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Monthly fee
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What's good about this card

What to be aware of

Repayment details

  • Interest free period – up to {{sliderProduct.productAttributes.repaymentDetails.interestFreePeriod}} days
  • Your monthly minimum payment will be the greater of:
    • {{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
    • The full balance if less than £{{sliderProduct.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
    • {{sliderProduct.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
MBNA

MBNA

Balance transfer

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Purchases

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Rewards

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Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

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  • No rewards

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Pay no interest for 18 months from account opening on the purchases you make in the first 60 days

Pay no interest for 18 months from account opening on the purchases you make in the first 60 days

MBNA

MBNA

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}

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Rewards

  • {{::item}}

  • No rewards

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

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EXPLORE MORE CREDIT CARDS

MBNA credit card features

MBNA’s main selling point will always be its impressive headline offers, including the long 0% interest periods across many of its cards, but it has other useful features too:

  • Security: MBNA has a suite of fraud monitoring services, and its cards deploy Visa Secure and MasterCard Identity Check. You won’t be liable for confirmed fraudulent transactions
  • Online and mobile banking: The MBNA app lets you log in with your fingerprint or Face ID, and lets you manage your account, including paying off balances and freezing it on the go
  • Regulation: MBNA is regulated by the Financial Conduct Authority, and its credit cards are protected by the Consumer Credit Act, meaning you’ll get a full refund if anything goes wrong on purchases worth between £100 and £30,000

Am I eligible for an MBNA credit card?

MBNA has clear eligibility criteria for each of its cards, though the offer you get will depend on your particular circumstances. This is what you need:

  • Be a UK resident aged 18 or over with a regular annual income – you can’t be unemployed or be a student
  • Provide at least three years’ UK address history, an email address and a phone number
  • Have a main bank account
  • Have no County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies

Your chances of being accepted for an MBNA credit card will depend on a range of factors – most of which come together to make up your credit score. You’ll get better rates if you have a history of responsible borrowing than you will if you’ve missed loan repayments or even defaulted in the past.

The best way to take control of your credit score is with MoneySuperMarket’s free Credit Monitor tool. You can use it to find out what your credit score is, and to work out simple ways to improve it. Once you have a better handle on your score, you should find it easier to get better deals on credit cards.

How long does it take to get a MBNA credit card?

It only takes a few minutes to provide us with the information we need to access your credit score, and for us to find the correct deals – and doing so won’t affect your credit score. After that we’ll direct you to the provider, who will test your eligibility and ask you to make a full application – which shouldn’t take long.

Approval is usually quite quick, and your MBNA credit card and PIN should arrive in the post within seven working days.

Sometimes an application is flagged for a manual evaluation, which can take a few days extra.

How do I apply for a MBNA credit card?

MoneySuperMarket’s comparison tool is a great way to apply for a MBNA credit card. It’s simple: you give us a few details about yourself and your circumstances, and we scour our providers for the best deals available to you, including APR and credit limit. You then pick the one you like best.

We are free and independent, and offer exclusive deals you can't get anywhere else. Click here to get started with our comparison tool.