Compare MBNA credit cards

MBNA offers headline-grabbing transfer and purchase offers, and many of its cards boast competitive 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.

Compare MBNA credit cards

Table: sorted by representative APR, promoted deals first

3 of 3 results

Finder Score	Balance transfers	Money transfers	Purchases	Annual/monthly fees	Incentive	Representative example
Finder score 6.1Standard MBNA Ltd Credit Card	Finder score 6.1Standard	12.94%	12.94 (5 fee)	12.94	£0	0.25% after £1 of yearly spend for introductory period of 36 months. Cashback paid January into Card Account. Maximum spend for cashback purposes is limited to credit limit.	Representative example: Representative 12.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 12.94% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 9.8Excellent MBNA Ltd Long Balance Transfer Credit Card	Finder score 9.8Excellent	0% for 34 months (2.99% fee)	24.94 (4 fee)	24.94	£0	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.94% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score 9.9Excellent MBNA Ltd Dual 0% Transfer and Purchase	Finder score 9.9Excellent	0% for 24 months (3.49% fee)	24.94 (4 fee)	24.94	£0	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.94% p.a. (variable).	More info Compare product selectionCompare	loading

Showing 3 of 3 results

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Approval for any credit card depends on your status. The representative APRs shown represent 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. Most of the data in Finder's comparison tables is provided by Defaqto.

MBNA cards are issued on the Mastercard or Visa networks, so they can be used at tens of millions of merchants and ATMs around the world.

I’ve experienced only good customer service from MBNA. I also like their cashback offers.”

– MBNA customer in Finder's 2024 survey

What types of credit cards are available from MBNA?

MBNA’s range of cards comprises 5 main types:

0% balance transfer deals. 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 2-3.5% – but in the UK’s competitive card market, you can sometimes get a card with no balance transfer fee (though the 0% period will usually be shorter). Learn more about 0% balance transfer cards.
0% money transfer deals. Want to transfer money from your credit card to your current account? MBNA offers 3 cards with a 0% money transfer deal. Once you’ve moved the funds into your bank account, you can use them to pay for a large purchase or to clear debts. Just watch out for transfer fees of 4-5%. Learn more about 0% money transfer cards.
0% purchase deals. If you’re planning to make a big purchase but want to spread the cost, MBNA offers a card that will charge 0% interest on purchases for several months. Learn more about 0% purchase cards.
Low interest deals. MBNA offers credit cards with no introductory periods, just a low rate on purchases and transfers. Learn more about low interest cards.
All-rounder deals. If you’re looking for a card to fulfil multiple requirements – perhaps you have an outstanding balance but also anticipate making purchases on your card – you might want to check out “all-rounder” credit cards. 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. Learn more about all-rounder cards.

If you want to carry out a balance transfer, be aware you can’t transfer a balance from one MBNA credit card to another. However, although MBNA is now owned by Lloyds Banking Group, you can still transfer balances from any existing Lloyds Banking Group brand (Lloyds Bank, Halifax and Bank of Scotland).”

– Rachel Wait, financial journalist

Additional benefits of banking with MBNA

MBNA offers several benefits to its credit card holders. Here are some of the highlights:

Security and protection. MBNA does its best to protect your finances and ensure you’re not a victim of fraud. As well as monitoring your account 24/7 for fraudulent behaviour, it also offers a range of features to protect you online. This includes a fraud guarantee that promises to refund any money you lose due to fraudulent transactions (as long as you’ve kept your details safe).
Global acceptance. With all of MBNA’s cards provided through Mastercard or Visa you can rest assured your card will be accepted throughout the UK and in many, many places across the world. Mastercard is the world’s fastest payment processing network and operates in more than 210 countries, while Visa is accepted in over 38 million locations.
Mobile App. MBNA has created a snazzy app, so you can get straight to all of your credit card stuff, without any faff, while you’re on the move.
Easy payments to your card. MBNA offers a range of options which should make keeping up with your monthly payments that bit easier – including online debit card payments, regular Direct Debit payments and (when you’re against the clock) Faster Payments.

Using an MBNA card overseas

What is Clever Check?

Clever Check 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.

It will 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 advertised offer. It’sespecially handy to know your estimated credit limit if you’re thinking about a balance transfer.

When you come to apply for an MBNA credit card in full, 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. Use a soft search facility first and only apply for a card when you’re confident your application will be approved.

Screenshot of an estimated credit limit in MBNA's credit card eligibility checker tool.

What is APR?

The APR is 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 offered 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 remaining 49% will be offered a different, usually higher, rate.

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

The eligibility-checker takes about 5 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 5 to 10 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.

Pretty high APR but the app is great and feels very secure. It was easy to apply and make a balance transfer.”

– MBNA customer in Finder's 2024 survey

How do MBNA’s cards hold up against the rest of the market?

Table: sorted by length of 0% balance transfer offer, promoted deals first

4 of 62 results

Finder Score	Balance transfers	Money transfers	Purchases	Annual/monthly fees	Incentive	Representative example
Finder score 9.5Excellent HSBC Balance Transfer Credit Card (35 Mths)	Finder score 9.5Excellent	0% for 35 months (3.19% fee)	24.9 (0 fee)	24.9	£0	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading
Finder score 9.1Excellent Santander Everyday Long Term Balance Transfer Credit Card	Finder score 9.1Excellent	0% for 34 months (3.15% fee)	(0 fee)	24.9	£0	Spend with your Santander Mastercard debit or credit card in the UK or abroad from 1 Jul to 31 Dec and get entries into a monthly prize draw to win a European trip for two. You must enter the promotion to take part. T&Cs apply.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading
Finder score 8.1Great First Direct Credit Card	Finder score 8.1Great	0% for 20 months (2.99% fee)	(0 fee)	24.9	£0	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading
Finder score 8.3Great HSBC Purchase Plus Credit Card	Finder score 8.3Great	0% for 17 months (3.49% fee)	24.9 (0 fee)	24.9	£0	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading

Showing 4 of 62 results

Finder Score for credit cards

Read the full methodology

Table: sorted by length of 0% purchases offer, promoted deals first

4 of 30 results

Finder Score	Balance transfers	Money transfers	Purchases	Annual/monthly fees	Incentive	Representative example
Finder score 9.9Excellent M&S Bank Purchase Plus Credit Card	Finder score 9.9Excellent	0% for 12 months (3.49% fee)	(0 fee)	24.9	£0	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading
Finder score 8.3Great HSBC Purchase Plus Credit Card	Finder score 8.3Great	0% for 17 months (3.49% fee)	24.9 (0 fee)	24.9	£0	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading
Finder score 8.7Great Santander All in One Credit Card	Finder score 8.7Great	0% for 15 months (0% fee)	(0 fee)	23.9	£3 per month	0.5% cashback after £1 of monthly spend. Maximum of £10 paid per month. Paid monthly into Card Account. Spend with your Santander Mastercard debit or credit card in the UK or abroad until 31 Dec and get entries into a monthly prize draw to win a European trip for two. You must enter the promotion to take part. T&Cs apply.	Representative example: Representative 29.8% APR variable. Based on £3 monthly fee, assumed borrowing of £1,200. Rate of interest 23.9% p.a. (variable).	Check eligibility More info Compare product selectionCompare	loading
Finder score 8Great TSB Platinum Purchase Card	Finder score 8Great	0% for 18 months (3.49% fee)	(0 fee)	24.95	£0	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.95% p.a. (variable).	More info Compare product selectionCompare	loading

Showing 4 of 30 results

Finder Score for credit cards

Read the full methodology

Table: sorted by length of 0% money transfers offer, promoted deals first

4 of 20 results

Finder Score	Balance transfers	Money transfers	Purchases	Annual/monthly fees	Incentive	Representative example
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (31 Mths)	Finder score Not yet rated	0% for 31 months (2.45% fee)	26.9 (4 fee)	24.9	£0	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (27 Mths)	Finder score Not yet rated	0% for 27 months (3.5% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (20 Mths)	Finder score Not yet rated	0% for 20 months (2.5% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading
Finder score Not yet rated Virgin Money Balance Transfer Credit Card (18 Mths)	Finder score Not yet rated	0% for 18 months (2.25% fee)	29.9 (4 fee)	27.9	£0	Representative example: Representative 27.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 27.9% p.a. (variable).	More info Compare product selectionCompare	loading

Showing 4 of 20 results

Finder Score for credit cards

Read the full methodology

How to apply for an MBNA credit card

The quickest way to apply for an MBNA card is online. You’ll need to use MBNA’s eligibility checker first, which requires filling in a short online form, providing personal details such as your name and address, as well as your annual income and bank account details. If you’re transferring a balance, you’ll also need to provide the details of these cards.

Eligibility requirements

To have your application for a credit card considered you must:

Be a UK resident.
Be aged 18 or over.
Have had a permanent UK address for 3 years or more.
Have a regular income.
Not currently be bankrupt or have an Individual Voluntary Arrangement (IVA) or County Court Judgment.
Not be unemployed or a student.

Meeting these requirements doesn’t guarantee you’ll be offered a credit card with MBNA. MBNA will also run credit and affordability checks.

Why might you not be approved?

Typically you won’t be approved for a credit card if you’ve got a history of bad debt or MBNA decides your income/expenditure is not suitable for a particular credit card. If you’ve got an outstanding CCJ or are on an 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.

MBNA customer reviews

In our 2025 customer satisfaction survey, 80% of MBNA credit card customers said that they would recommend MBNA to a friend. Several customers commented on how helpful the customer service was, as well as how the app was easy to navigate. One customer said: “Never had any issues, have great transfer rates.”

Contact MBNA’s customer support

Telephone support	For credit card queries call 03456 062 062. Lines are open 8am-6pm Mon-Sun.

Overview of MBNA credit cards

Representative APR	From 12.9% to 24.9%
0% balance transfer offer	Up to 34 months
0% purchases offer	Up to 22 months
0% money transfer offer	Up to 9 months
Cashback with brand	Cashback not available
Cashback elsewhere	Up to 0.25%
Cash advance	From 12.94%
Introductory bonus offer	No introductory bonus offers available

Bottom line

MBNA offers a wide range of competitive credit cards to suit a variety of needs. However, you will usually need a good credit score to qualify. As always, it pays to check how these credit cards compare to what else is on the market before making your decision.

Frequently asked questions

Your credit card is likely to have different rates of interest for different services, such as purchases, balance transfers and cash withdrawals. You’ll find details of your specific interest rates, plus any fees, in your terms and conditions.
Interest is calculated as a percentage of the amount you borrow. So broadly-speaking, the longer it takes you to pay off your balance, the more interest you will have to pay.
You will need to provide the following details during your application.
- Your address history for at least 3 years.
- Contact details, including an email address.
- Employment and salary information.
- UK bank account details.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been reviewed by Rachel Wait, a member of Finder's Editorial Review Board.

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 528 Finder guides across topics including:

Loans & credit cards
Building credit
Financial health
Share trading

More resources on Finder

Compare MBNA credit cards

Part of Lloyds Bank Group, MBNA is frequently to be found battling it out for the longest 0% balance transfer and 0% purchase offers on the market. Rates starting from 12.9% to 24.9%.

Compare MBNA credit cards

Finder Score for credit cards

What types of credit cards are available from MBNA?

Additional benefits of banking with MBNA

What is Clever Check?

What is APR?

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

How do MBNA’s cards hold up against the rest of the market?

Finder Score for credit cards

Finder Score for credit cards

Finder Score for credit cards

How to apply for an MBNA credit card

Eligibility requirements

Why might you not be approved?

MBNA customer reviews

Contact MBNA’s customer support

Overview of MBNA credit cards

Bottom line

Frequently asked questions

Chris Lilly

Read more on Credit Cards

Compare MBNA credit cards

Part of Lloyds Bank Group, MBNA is frequently to be found battling it out for the longest 0% balance transfer and 0% purchase offers on the market. Rates starting from 12.9% to 24.9%.

Compare MBNA credit cards

Finder Score for credit cards

What types of credit cards are available from MBNA?

Additional benefits of banking with MBNA

What is Clever Check?

What is APR?

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

How do MBNA’s cards hold up against the rest of the market?

Finder Score for credit cards

Finder Score for credit cards

Finder Score for credit cards

How to apply for an MBNA credit card

Eligibility requirements

Why might you not be approved?

MBNA customer reviews

Contact MBNA’s customer support

Overview of MBNA credit cards

Bottom line

Frequently asked questions

What's the difference between an eligibility check and a full credit card application?

Can I manage my account online and over the phone?

What is contactless payment?

Can I view and download my statements online?

How is interest calculated?

What details will I need to provide

Chris Lilly

Read more on Credit Cards

Advertiser disclosure