MBNA’s range of cards is designed fit a range of needs. As well as the headline-grabbing transfer and purchase offers, many of its cards boast competitive default rates that the cards revert to when offer periods expire. So whether or not you’re a card user who jumps from offer to offer, MBNA could have an option for you.
Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
MBNA cards are issued on the MasterCard network, so they can be used at tens of millions of merchants and ATMs around the world.
The online account management is easy and secure, and the statements have always been accurate.”
MBNA range of cards is comprised of five main types:
Balance transfer cards allow you to move existing debt onto a new card and pay no interest on it for a set introductory period. You’ll normally be expected to pay a transfer fee – typically 2-3%, but in the UK’s competitive card market, some banks now offer cards with no transfer fee.
Want to transfer money from your credit card to your current account? MBNA offers three cards that allow you to send money from your credit card into your current account at 0% interest for a set introductory period.
If you’re planning on making a big purchase but want to spread the cost, MBNA offer a card that will charge 0% interest on purchases for a set introductory period.
MBNA offers credit cards with no introductory periods, just a low rate on purchases and transfers for at least five years.
Learn more about low interest cards
If you’re looking for a card to fulfil multiple requirements – perhaps you have an outstanding balance but also anticipate making purchases on card, you might want to check out “all-rounders”. Weigh up the rates that the card will revert to after any introductory period ends, plus any fees, versus the potential savings the card will offer you.
MBNA offer additional benefits to its credit card holders. Here are some of the highlights:
This is MBNA’s “soft search” facility. It lets you check whether or not you’d get approved for a card before you hit “Apply” and without affecting your credit score. Frustratingly, MBNA’s eligibility-checking facility is more long-winded than most.
When you come to actually apply for an MBNA credit card, it will involve a “hard search” of your credit file, which has a small (and usually short-lived) negative impact on your credit score. For that reason, you shouldn’t just submit applications left, right and centre – and only apply for a card when you’re confident your application will be approved.
Many card issuers also tailor interest rates, credit limits and offers to the individual applicant. Some soft search facilities (including MBNA’s) can also give you a better idea of the specific rate and credit limit you’d be offered and whether or not you’d receive the exact advertised offer.
It’s a figure designed to provide an annual summary of the cost of borrowing, taking into account both interest and any mandatory charges to be paid (for example an annual/monthly account fee).
However, because many card issuers tailor the APR the offer to each applicant, you’ll frequently see them promoting their representative APR. This is the APR they’ll give to at least 51% of successful applicants.
The eligibility-checker takes about five minutes, and will give you an instant indication as to whether or not it’s worth applying for a card. If you’re happy to proceed, the actual application takes perhaps a further five to ten minutes. Your new card will then arrive within one week, and you’ll then need to call MBNA to activate it.
Don’t forget that the first time you use your card, you’ll have to enter your PIN – from then on you can make contactless payments to your heart’s content.
They have been very good with balance transfer offers, and make it easy with their app.”
The quickest way to apply for a MBNA card is online. What’s more, the online eligibility checker allows you to tell if you’re likely to be able to take out an MBNA credit card, without affecting your credit rating.
To have your application for a credit card considered you must meet the following criteria:
Meeting these requirements doesn’t guarantee you’ll be offered a credit card with MBNA. MBNA will also run credit and affordability checks.
Typically you won’t be approved for a credit card if you’ve got a history of bad debt or MBNA decide your income/expenditure is not suitable for a particular credit card. If you’ve got an outstanding CCJ or are on an individual voluntary arrangement (IVA) it is also likely you will not be approved. Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian, or another credit rating agency, and to ask for a credit report.
If you’re an MBNA credit card customer who has been affected by coronavirus, you may be able to get help. For example, you could apply for an increase to your credit limit, or take out a payment holiday if you’re struggling to meet your payments. Visit MBNA’s coronavirus support page for more information.
MBNA customers in Finder’s 2021 customer satisfaction survey were mostly positive, with many citing MBNA’s easy-to-use app and promotional offers as notable benefits. One customer said: “I’ve been a customer for twenty years and they have always been reasonable and helpful, even refunding charges when I challenged them.”
MBNA also scored 3.5 out of 5 in our 2021 customer satisfaction awards, with 71% of customers also happy to recommend the brand to a friend.
While it’s not MBNA’s longest 0% offer, this card comes with the benefit of a reduced balance transfer fee.
Thinking of using an MBNA card overseas or for non-sterling purchases? Learn what fees apply plus our hacks for avoiding them.
Enjoy an interest-free period on funds that you transfer from this card to other accounts.
Enjoy 0% interest on your existing card balances, plus a low introductory transfer fee.
Learn more about this versatile credit card with ultra-long low-rate periods across the board.
Enjoy lengthy introductory 0% deals on both purchases and balance transfers with this “matched” card.
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