MBNA

MBNA is owned by the Bank of America and is one the largest credit card companies in the UK.

MBNA offers a number of credit cards under its own brand. It is also the engine behind a number of football club and shopping cards.

These include numerous Premier League club credit cards, as well as cards for brands including the National Trust, Norwich & Peterborough Building Society and RSPCA. It also provides American Airlines' and Virgin Atlantic's credit cards.

MBNA was founded in 1982 and is based in Chester.

MBNA
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Gold ribbon: first place

Credit cards

Ranked 14th of 28 providers reviewed.

Customer happiness 58.26%
Customer trust 49.02%
Complaints performance 74.79%
Transparency rating 61.58%
Fairer Finance score
Reviewed Spring 2021
61%

Credit cards

0% balance transfer credit cards

MBNA

Low Fee 0% Balance Transfer

4 stars
Duration of balance transfer offer period i 26 or 14 months
Balance transfer fee during promotional period i 1%
Representative APR i 20.90%
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.60%
Risk based? i

MBNA

0% Transfers and Purchases

3 stars
Duration of balance transfer offer period i 20 or 12 months
Balance transfer fee during promotional period i 2.99%
Representative APR i 20.90%
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.60%
Risk based? i

MBNA

Long 0% Balance Transfer

3 stars
Duration of balance transfer offer period i 28 or 14 months
Balance transfer fee during promotional period i 2.79%
Representative APR i 20.90%
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.60%
Risk based? i

MBNA

Long 0% Money Transfer

1 stars
Duration of balance transfer offer period i 12 or 3 months
Balance transfer fee during promotional period i 4%
Representative APR i 22.90%
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.74%
Risk based? i

0% purchase credit cards

MBNA

0% Transfers and Purchases

2 stars
Duration of purchases offer period i 2 months
Representative APR i 20.90%
Highest APR i 27.90%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.60%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Foreign use credit cards

MBNA

Long 0% Balance Transfer

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 20.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.60%

MBNA

0% Transfers and Purchases

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 20.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.60%

MBNA

Long 0% Money Transfer

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 22.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.74%

MBNA

Low Fee 0% Balance Transfer

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 20.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.60%

Money transfer credit cards

MBNA

Long 0% Money Transfer

5 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 18 or 14 months
Money transfer fee during promotional period i 2.99%
Representative APR i 22.90%
Risk based? i
Representative cash transaction interest rate i 1.74%

MBNA

Long 0% Balance Transfer

1 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 12 or 3 months
Money transfer fee during promotional period i 4%
Representative APR i 20.90%
Risk based? i
Representative cash transaction interest rate i 1.60%

MBNA

0% Transfers and Purchases

1 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 12 or 3 months
Money transfer fee during promotional period i 4%
Representative APR i 20.90%
Risk based? i
Representative cash transaction interest rate i 1.60%

MBNA

Low Fee 0% Balance Transfer

1 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 12 or 3 months
Money transfer fee during promotional period i 4%
Representative APR i 20.90%
Risk based? i
Representative cash transaction interest rate i 1.60%