MBNA Aston Villa Credit Card

Independent review with up to date rates, fees and special offers for this card...

Supports Aston Villa with contributions
Earn reward points for travel, entertainment & shopping
0% balance transfers for 12 months (3% fee)
0% purchases for 3 months

MBNA credit card review: Aston Villa

THE Aston Villa credit card lets you show off your support for your favourite football team and help contribute funds to the future of the club at the same time.

Every time you use the Aston Villa credit card to pay for a purchase, MBNA (the card issuer) will contribute money to the Aston Villa football club on your behalf.

What's more, the Aston Villa credit card also earns you rewards to, you'll get 1 reward point for every £1 you spend, and you can redeem your points for travel, entertainment, shopping vouchers, wine and even cash!

If you are looking to transfer a balance, then you'll be super pleased by the deal available with the Aston Villa credit card. Offering up a 0% interest rate on balance transfers for a staggering 12 months (a 3% fee applies), plus 0% on purchases for 3 months too!.

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 0% purchases before 0% balance transfers. However, once the 0% purchase period ends, payments will be applied first towards 0% balance transfers. After the introductory period purchases will be charged at the standard rate of 15.9% p.a.
Balance Transfers	0% for 12 months Includes transferring cash into a current account (4% fee)	Must be made within 90 days of account opening to qualify. Also includes credit card cheques and money transfers (but with a 4% handling fee on money transfers). Payments are applied towards 0% purchases before 0% balance transfers, but when the 0% purchase period ends payments will be applied towards 0% balance transfers before standard rate purchases. After the 0% balance transfer period ends, balance transfers are charged at the standard rate of 17.9% p.a. and money transfers and credit card cheques are charged at the standard rate of 19.9% p.a.
Balance Transfer Fee	3% (£3 minimum)	This fee applies to balance transfers and credit card cheques. Money transfers will be charged a 4% fee.
Cash Withdrawal Rate	27.9% p.a. (variable)	-
Cash Withdrawal Fee	3% (£3 minimum)	-
Annual Fee	None	-
Foreign Transaction Fee	2.99%	This fee will be charged if you make a purchase or cash withdrawal in a foreign currency.

Rewards
		Notes..
Reward #1	Aston Villa Contributions	Using the Aston Villa credit card will help to ensure the future of the club, because MBNA will contribute a royalty to the Aston Villa Football Club every time you make a purchase. Funds raise are at no extra cost to yourself, and go towards supporting the Aston Villa football club.
Reward #2	MBNA Reward Points	Earn 1 point for every £1 spent Reward points can be redeemed for - Travel - Entertainment - High street shopping vouchers - Wine - Cash back.

Cardholder Services & Extras

Online Account Management		You can log in to a website and manage your MBNA Aston Villa credit card account online. Optional paperless statements.
Fraud Guarantee		There is no liability or excess to pay for theft, loss or fraudulent use online or on the high street, as long as you notify MBNA as soon as your card cannot be found or you notice any unsual transactions on your account.
Fraud Monitoring		Fraud Warning System MBNA will monitor your account for any suspicious activity. They also offer a purchase disputes team and a 24/7 365 helpline.
Identity Protection		MBNA do offer a Identity Theft Protection Scheme, which is a free booklet offering advice on how to protect yourself from ID theft.
MasterCard SecureCode		An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers.
Purchase Protection Insurance
Purchase Delivery Insurance
Comprehensive Travel Insurance
Travel Accident Insurance
Travel Inconvenience Insurance
Assistance Abroad
Emergency Card Replacement
Other Extras	- 24 hour UK based customer services - Up to 3 additional cardholders free.
Optional Extras	These are extras that you can choose, but you will have to pay for them. - Payment protection - Card protection - Identity protection alert.

Payments & Payment Details
		Notes..
Credit Limit	£1,500 assumed	Credit limit subject to status.
Interest Free Period	Up to 50 days	For purchases if you pay your statement balance in full and on time every month. There is no interest free period for balance transfers, cheques, money transfers or cash advances - except for those within an interest free promotional offer.
Minimum Monthly Payment	1% (£25 minimum)	If your balance is less than £25 you must repay your balance in full. Otherwise, you must repay the greater of: - £25, OR - 1% of your statement balance before any default charges and interest, plus any default charges and interest on the statement.
Allocation of Payments	Low interest rate balances > Higher interest rate balances	Where there are two or more balances at the same promotional rate they will repaid in the following order: - The one which expires first, Then - If the expiry dates are the same - the one which started first, Then - If the expiry and start dates are the same - the one with the lowest standard rate.
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	MasterCard	The company who provides the payment technology and infrastructure to allow you to use this credit card. Retailers and ATM machines displaying the 'MasterCard' logo will accept this credit card.
Card Issuer	MBNA	The bank who issues this credit card.
Card Advertiser	MBNA Aston Villa FC	The company who advertises and promotes this credit card.