Reading FC Credit Card

About Reading FC credit card...

- Supports the future of Reading FC
- Earn points for free rewards
- Super long balance transfer offer

The Reading FC credit card allows you to show your support of your favourite football team, and help to fund the future of the Reading football club too.

The Reading FC credit card also offers you 1 reward point for every £1 you spend in purchases, you can redeem the points you earn for travel, entertainment, shopping, wine and even cash.

If you have any outstanding credit card balances, you'll be pleased to know that the Reading FC credit card offers a fantastic 0% balance transfer deal for 12 months (a 3% fee applies), plus you'll also get 0% on purchases for 3 months.

The Reading FC credit card works hard to look after your money and your purchases by offering free purchase protection insurance and an Internet fraud guarantee. You'll also be able to benefit from a range of travel services too.

Apply for Reading FC 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	2.99%	This is fee you will be charged for credit card transactions made abroad.

Rewards
		Notes..
Reading FC Contributions	Using the Reading FC credit card will help to ensure the future of the club, because MBNA will contribute a royalty to the Reading Football Club every time you make a purchase	Funds raise are at no extra cost to yourself, and go towards supporting the Reading football club.
Reward Points	Earn 1 point for every £1 spent	Reward points earned with the Reading FC credit card can be redeemed for travel, entertainment, shopping, wine and even cash.

Cardholder Services & Extras
		Notes..
Online Account Management	Yes	You can log in to a web site and manage your Reading FC credit card account online.
Purchase Protection Insurance	Yes	Most purchases between £50 and £1,000 will be covered against theft or accidental damage for up to 100 days from purchase when you pay with the Reading FC credit card.
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 unusual 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 Reading FC 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	Platinum	-
Payment Company	MasterCard	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 'MasterCard' logo will accept this card.
Card Issuer	MBNA	This is the bank behind your credit card.
Card Advertiser	MBNA Reading FC	This is the company who advertises and promotes this credit card.