Albion Mastercard review March 2020
Designed for Baggies fans who really want to go all in with their club, this credit card comes with a series of appealing perks.
0% interest on balance transfers
|Issuer||Creation Financial Services|
|Balance transfers||0% for 6 months reverting to 18.9%|
|Balance transfer fee||5% (min. £5)|
|Purchases interest-free period||Up to 50 days|
|Min credit limit||£100|
|Max credit limit||Not specified|
|Additional cards available||1|
|Incentive||Free matchday programme offer after the first 3 spends, exclusive monthly prize draws to win hospitality box tickets, signed merchandise and more.|
If you’re a West Brom fan and successfully apply for this credit card, you’re in for a treat – you’ll get discounts at the club’s shop and monthly prize draws without paying any annual fee.
Aside from the perks, Albion Mastercard’s other features make it a respectable credit card that does the job just fine. Provided you don’t carry a balance from month to month, you’ll enjoy up to 50 days of 0% interest on your purchases each billing cycle, which is a comparatively long period that gives you some extra freedom in those months when your finances are a bit more stretched than usual.
This card also makes a decent option if you’re carrying a balance from another card and need some extra time to pay it off. However, there is a balance transfer fee of 5% (min. £5) to consider and it’s also important to remember that if you don’t clear your balance in full within the introductory interest-free 6 months, any outstanding balance will start to accrue interest at the card’s standard rate.
As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.
How does this card compare with other team-affiliated cards?
When it comes to repayments, you can make manual repayments online or over the phone (0371 376 9214), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
|Minimum amount||Fixed amount||Fixed percentage||Full amount|
How to apply for the Albion Mastercard
If you’ve compared credit cards and decided that your heart is set on this one you can apply online. To be eligible you must be 18 or more, a UK resident and have a valid email address and landline telephone number.
You’ll need your personal details, your address history, your employment details (including the name and address of your employer), your bank details and the details of your previous credit card if you want to apply for a balance transfer. At the beginning of the process, you’ll get to do an eligibility check that will tell you if you’re likely to be accepted without impacting your credit score.