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MBNA Credit Card Review
Summary
MBNA are a US company with a fantastic reputation as the worlds largest independent issuer of credit cards. Their arrival in the UK signalled the start of the massive competition in the UK credit card market and brought about the low interest rate credit cards we have today.
So what is the current product like? Well the MBNA Platinum Plus credit card is an excellent product, The main attraction is the 0% introductory rate on balance transfers for 13 months - One of the longest introductory rates around. The standard rate is a very competitive 15.9% APR. MBNA also offer 0% on any card purchases for 3 months.
The MBNA credit card also has some great added value features; There is no annual fee, they guarantee no liability when the card is used fraudulently when you use the card on the Internet and you can manage your account 24 hrs a day, 7 days a week via the internet, although you still get a statement through the post and a 24hr customer service line.
Details
| Introductory Balance Transfers | 0% |
| Monthly Rate | 0% |
| Period | 13 Months |
| Introductory Purchases | 0% |
| Monthly Rate | 0% |
| Period | 3 Months |
| Standard APR | 15.9% |
| Monthly Rate | 1.2408% |
| Cash Advance APR | 22.9% |
| Cash Advance Fee | 2% (Min £3.00) |
| Minimum Payment Required | 2.25% (Min £5) |
| Annual Fee | None |
| Loyalty Points | None |
| Travel Accident Insurance | £100,000 |
| Free Purchase Protection | 100 Days, £50-£1000 |
| Foreign Usage Fee | 2.75% |
Other MBNA Credit Card Features and Benefits
- No annual fee
- Manage your Account online
- Internet Fraud Guarantee
- 24 hr customer service
MBNA Credit Card Verdict
The MBNA Platinum Plus credit card is a very competitive card. The 0% offer on balance transfers is excellent and one of the longest available. The competitive standard interest rate and good added benefits mean this is a card anyone could carry with confidence. Apply online for an instant online decision!