Credit Card Review & Application
MBNA Platinum Rewards Credit Card
- 0% on balance transfers for 13 months (2.9% handling fee). For this great rate your balance needs to be transferred within the first 90 days of opening your account.
- 0% on money transfers from your credit card to your current account for 13 months (4% handling fee). Remember for this great rate you need to transfer money within the first 90 days of opening your account.
- 0% on card purchases for 3 months from the date your account is opened.
- Representative 16.9% APR (variable)
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| Intro APR: | 0%* |
| Intro Period: | 13 months |
| Representative APR: | 16.90% (variable) * |
| Annual Fee: | £0.00* |
| Issuer: | MBNA Europe |
| Card Network: | VISA® |
| Card Category: | Consumer (Premium) |
| Card Type: | - Reward Card |
| Credit Needed: | Good* |
Applying for an MBNA Platinum Rewards Credit Card in the United Kingdom is very easy. Just log on to their user-friendly website and supply them with relatively standard credit information like your contact information and job and income status and the approval process won't take very long. The online convenience does not end there, though, because you can also check your balance online and monitor your account, which helps to ensure that there are no fraudulent charges. Paperless billing is also available so you can get your statements via e-mail.
Many people seem to like credit cards from MBNA Europe Bank Limited because they offer a low introductory rate on balance transfers and money transfers. This introductory rate lasts for 13 months. For 3 months, though, you can enjoy the same low introductory rate on standard purchases. After your introductory periods end, however, you can still enjoy a fair rate that will depend on your credit qualifications.
One of the most interesting benefits of owing this card is the face that you can get up to 50 days free of interest when you pay your balance off in full! This gives you up to 7 weeks to pay off the balance of any new purchase before interest starts to accrue. That should be more than enough to time for you to plan accordingly and make the appropriate arrangements. If you are able to do so and you can time things right, then you will likely save yourself a lot of money in the long run.
If you are looking for a new credit card because you currently don't have one or you need to consolidate your existing balances, this card could help you out a lot. In many regards it will save you money and because it is simple to understand and easy to use, it should also be very easy for you to save.
| Reward Types: | - Cash Back Reward Cards - Travel Reward Cards - Universal Reward Cards |
| Reward Unit: | Point |
| Reward for $1 spent: | 1.00 |
| Rewards: | - 1 point for every £1 you spend Choose the rewards you want - Travel, Shopping, Entertainment, Wine and Cash. |
| Other Benefits: | - Internet related services - Safe Shopping - Purchase Protection - Fraud Warning System - No Liability for Unauthorized Card Use - Lost Luggage Insurance - Travel Accident and Inconvenience Insurance - Free 24-hour Worldwide Telephone Helpline |
| Online Account Access: | Yes |
| Introductory APR: | 0%* |
| Applied Towards: | Purchases, Balance Transfer, Checks |
| Introductory Period: | 13 months* |
| Representative APR: | 16.90% (variable)* |
| Annual Fee: | £0.00* |
| Grace Period: | 50 days* |
| Min Finance Charge: | £0.10 |
| Max Credit Line: | £50,000 |
| Late Payment Fee: | £0.00* |
| Over Limit Fee: | £12.00 |
| Balance Transfer: | Yes |
| Transfer Fee (%): | 3.00% |
| Minimum Fee: | £3.00 |
| APR Cash Advances: | 27.90% |
| Cash Advance Fee: | 3.00% |
| Minimum Fee: | £3.00 |
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† Information concerning the MBNA Platinum Rewards Credit Card is confirmed to be accurate at the time of publication (Feb 2, 2011). We strive to keep this information updated but cannot guarantee its accuracy. Readers are strongly advised to go through appropriate terms and conditions attached to a product before submitting the application.
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