BT Credit Card

BT Credit Card Review

Earn money off your BT phone bill

0% balance transfers for 12 months (3% fee)

Useful 0% on purchases for 3 months

THE BT credit card allows you to earn rebates on all your credit card spending towards money off your BT telephone bill.

With the BT credit card you'll be able to earn 1p discount for each £2 spent on the card on spending up to £250 each month, and then 1p discount for each £1 spent on the card on spending over £250 in any month.

You will need to give the BT telephone number you want the discounts applied to when you apply for the BT credit card online. The discount rebates earned will then be automatically credited to your BT phone bill.

Apply Online for BT credit card

Interest Rates and Fees
		Notes..
Typical APR	16.9% 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	2.99%	This is fee you will be charged for credit card transactions made abroad.

Rewards
		Notes..
BT phone bill rebate	Up to 1% rebate	You'll earn: - 1p discount for every £2 spent on spending up to £250 each month - 1p discount for every £1 spent on spending over £250 each month. - Maximum £75 discount off your BT bill in any 12 month period. Discount rebates will be automatically credited to your BT phone bill. If you have any surplus discount it will be rolled over to the next month.

Cardholder Services & Extras
		Notes..
Online Account Management	Yes	You can log in to a website and manage your BT 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.
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	Visa	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 'Visa' logo will accept this card.
Card Issuer	MBNA	This is the bank behind your credit card.
Card Advertiser	MBNA BT	This is the company who advertises and promotes this credit card.

MBNA BT Credit Card User Reviews

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At a Glance

BT Credit Card

Typical APR:	16.9% APR

Purchases:	0% for 3 months

	16.9% p.a. thereafter

Balance Transfers:	0% for 12 months

	3% transfer fee - £3 min

Rewards:	BT Phone Bill Rebate

Interest Free Period:	Up to 56 days

Annual Fee:	£0

This card includes:

Online Account Management
Fraud Security



You should only apply if you are:

• Aged 18 or over
• UK resident

Apply Online for BT credit card

MBNA Europe Bank Limited
Stansfield House
Chester Business Park
Chester
CH4 9QQ
www.mbna.co.uk