Credit Card Review & Application
RSPCA Credit Card
- For more than 180 years the RSPCA has been working to relieve the suffering of animals. Take out an RSPCA card today and MBNA Europe Bank Limited, the card issuer, will make a payment of £20 to the RSPCA. After that, for every £100 spent on card purchases, we receive 25p and it won't cost you a penny extra.
- As little as £3 can help to pay towards our animal rescues, £10 could help to pay for treatment of an abused animal and £25 could help to pay for a loving new home for an abandoned kitten. With the RSPCA Credit Card, it’s not only the animals we rescue that benefit. Read on to find out more about how you could also benefit.
- 0% on balance transfers for 12 months (3% handling fee)
- 0% on card purchases for 3 months
- No Annual Fee
- Representative 16.9% APR (variable)
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| Intro APR: | 0%* |
| Intro Period: | 12 months |
| Representative APR: | 16.90% (variable) * |
| Annual Fee: | £0.00* |
| Issuer: | MBNA Europe |
| Card Network: | VISA® |
| Card Category: | Consumer (Regular) |
| Card Type: | - Charity Card - Low Interest Card |
| Credit Needed: | Good* |
Charity is so much more than just a word or an action; it is a conscious decision to make a difference in some way. Some might even argue that it is a state of mind. Unfortunately, in times like these, many people find it quite difficult to give, even if they truly want to. If you are an animal lover, however, and you live in the UK, MBNA Europe Bank Limited has devised a way to help you donate to your favorite cause without having to spend a single cent of your own money through the RSPCA Credit Card.
For 180 years, the RSPCA has been diligently working to relieve the suffering of animals with monetary aid and service projects across the United Kingdom. If you are approved for the RSPCA Charity Credit Card, you will have peace of mind knowing that your daily spending contributes to their mission of helping protect and rescue animals. For instance, upon your approval, MBNA Bank will make an initial £20 donation to the RSPCA. Over the lifetime of your account, they will also make another 25p donation for every £100 that you spend on the card. This is one way that you can do your part without having to overextend your budget.
Since these donations technically replace the typical incentive program that your credit card might feature, MBNA Bank has provided a few ways for you to save by using this card. After all, if you want to give of yourself, you deserve something in return. This is why this card features an introductory interest rate that could be as low as 0%, which would apply to both balance transfers and money transfers for the first 12 months. The same low rate could also be applied to standard card purchases for the first 3 months as well. All in all, this equals more opportunities for you to save money.
There are also a variety of other auxiliary benefits that you might find attractive too. For instance, this card has no annual fee, which seems to be a rarity these days. Also, this card features paperless statements, which means that not only do you get convenient online access to your information, but you can also contribute to another great cause: preserving the environment. Obviously this card is ideal if you are passionate about saving the planet and a few bucks!
| Other Benefits: | - Online account features - Fraud Protection - Paperless Statements - Free 24 hour UK based customer service helpline * See credit card Terms and Conditions for more benefits |
| Comments: | Acceptance Criteria: You are currently employed, over 23 years of age, a homeowner, have an income of over £20,000, do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit, and are a resident in the UK and can prove residential addresses for the past two years |
| Online Account Access: | Yes |
| Introductory APR: | 0%* |
| Applied Towards: | Purchases, Balance Transfer |
| Introductory Period: | 12 months* |
| Representative APR: | 16.90% (variable)* |
| Annual Fee: | £0.00* |
| Grace Period: | 50 days* |
| Min Finance Charge: | £1.00 |
| Min Credit Line: | £300 |
| Late Payment Fee: | £12.00* |
| 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 RSPCA 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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