MBNA Rewards American Express Credit Card

About MBNA Rewards American Express credit card...

- Super long balance transfer deal
- Earn MBNA reward points
- Exclusive VIP travel service: MBNA TravelPlus

The MBNA Rewards American Express credit card offers the chance to earn MBNA reward points towards brand name products, travel, experiences, wine and even cash. This credit card also offers exlusive discounts with American Express Selects, and great travel offers on flights, hotels and holidays with MBNA TravelPlus.

The MBNA Rewards American Express credit card also offers 0% balance transfers for 12 months (a 3% handling fee applies), 0% on purchases for 3 months, up to 56 days interest free period on purchases and no annual fee.

Apply for MBNA Rewards American Express credit card

Interest Rates and Fees
		Notes..
Typical APR	15.9% APR (variable)	The typical APR is the rate most people are offered.
Introductory Purchases	0% for 3 months	Payments will be applied towards introductory rates first.
Balance Transfers	0% for 12 months	Also includes credit card cheques. payments are applied towards balance transfers first.
Balance Transfer Fee	3% (£3 minimum)	When you transfer a balance to this card you will be charged a 'handling fee', this fee also applies to credit card cheques.
Cash Withdrawal Rate	27.9% p.a. (variable)	This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money.
Cash Withdrawal Fee	3% (£3 minimum)	When you use your credit card to get cash you will be charged a 'handling fee' for doing so.
Annual Fee	£0	-
Foreign Transaction Fee	2.75%	This is fee you will be charged for credit card transactions made abroad.

Rewards
		Notes..
MBNA Rewards	Earn 1 point for every £1 spent.	MBNA reward points can be redeemed for brand name products, travel, dream experiences, wine and even cash.
MBNA RewardsPlus	Earn double or triple points, plus special offers and discounts with selected retailers	Special offers and discounts, plus double or triple MBNA reward points rewarded on purchases made via mbnarewards.co.uk with Avis, CD WOW!, Charles Tyrwhitt, Habitat, Macdonald Hotels & Resorts Central and WHSmith.
Bonus Points	Get 2,000 bonus points when you first use the card to make a purchase.	Must be made within 90 days of your account being opened.
American Express Selects	Exclusive offers and discounts	Includes leisure, dining and shopping offers.
MBNA TravelPlus	Personalised VIP travel service with offers on flights, hotels and holidays	-

Cardholder Services & Extras
		Notes..
Online Account Management	Yes	You can log in to a website and manage your MBNA Rewards American Express credit card account online.
Internet Fraud Guarantee	Yes	There is no liability or excess to pay for theft, loss or fraudulent Internet use, as long as you notify MBNA as soon as your card cannot be found or you notice any unsual transactions on your account.
Travel Accident Insurance	Up to £100,000	When you use this card to buy travel tickets you and your family will be covered against death or serious injury whilst abroad.
Travel Inconvenience Insurance	Up to £250	For food, accommodation and additional travel expenses charged to the MBNA Rewards American Express credit card if your travel is delayed for 8 hours. Also covers the cost of purchasing emergency clothing if your luggage is delayed for more than 12 hours.
Lost Luggage Insurance	Up to £1,500 (Platinum cardholders only)	If your luggage that has been checked in is stolen, lost or misdirected by the carrier.
Other Extras	24 hour customer service	-
Optional Extras	Payment protection	These are extras that you can choose, but you will have to pay for them.	-

Payments & Payment Details
		Notes..
Credit Limit	£50000 maximum	Credit limit may vary from person to person and is subject to status.
Interest Free Period	Up to 56 days	On card purchases only, if you pay your statement balance in full and on time every month. there is no interest free period on balance transfer or cash withdrawals.
Minimum Monthly Payment	3% (£25 minimum)	The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero).
Allocation of Payments	Items at lower rates will be repaid before items at higher rates	When you make a payment to this card, payments will be applied first to low interest rate balances, and then to higher interest rate balances. Where there are two balances at the same promotional rate, the balance with the longer promotional period will be repaid first.
Default Charges	£12	This is how much you will be charged for late payments, returned payments and if you go over your credit limit.

Card Details
		Notes..
Online Application	Yes	-
Card Type	Classic	-
Payment Company	American Express	This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'American Express' logo will accept this card.
Card Issuer	MBNA	This is the bank behind your credit card.
Card Advertiser	MBNA	This is the company who advertises and promotes this credit card.