MBNA American Express Credit Card Review

Overview

Apply online today. There is no paperwork to follow and we'll give you an answer right away. Whether you are shopping, travelling or going out for the evening, the MBNA Rewards American Express Credit Card brings something extra to the experience.

• Earn 1 MBNA Reward** point for every £1 you spend on your card
• Redeem your MBNA Reward** points for a select range of rewards including travel, dream experiences, quality products from top brands, wines from around the world and even cash
• 2000 bonus** MBNA Reward points on your first card purchase within 90 days of your account opening
• Specially negotiated discounts, priviliges and bonus MBNA Reward points through our MBNA Rewards Plus partners, AVIS, CD WOW!, Charles Tyrwhitt, Habitat, Macdonald Hotels & Resorts and WHSmith
• Exclusive offers and discounts on the best leisure, dining and shopping offers through American Express Selects SM
• Personalised VIP travel service with great offers on flights, hotels and holidays through MBNA Travel Plus .

Who can apply?

Anyone who is a UK resident aged 18 or over. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.

Credit Card Application Process?

The MBNA online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legal, terms and conditions.

If you apply online between the hours of 8am-8pm Monday to Thursday, 8am-5pm on Friday you could get an instant decision. For all other applications you should hear from us within 7-10 working days.

What are the benefits of MBNA American Express Credit Card?

• Exclusive Cardmember and VIP travel services including discounts with Habitat, MacDonald Hotels and Resorts and other partners world wide. 
• Access to a fantastic rewards programme. Earn when you spend and redeem for flights, cash, shopping vouchers and much more. 
• Great rates you would expect from MBNA 
• Enjoy up to 56 days interest free - on card purchases, when you pay your statement balance in full and on time each month. 

What are the credit card charge rates?

Card issue fee               Free
Typical APR Rate         Typical 15.9% APR variable.
Intro Offers              0 % p.a. on card purchases for three months from account opening & 0 % p.a. on balance transfers and credit card cheques for twelve months from account opening ( 0.0000 % monthly) provided you operate your account within the terms and conditions.
Annual renewal fee            Free

Default Charges?

£ 12 for going overlimit, making late payments and for returned payments.

What is the minimum payment I need to make each month?

If the balance shown on your statement is £ 25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £ 25 , it will be whichever is the least of 3 % of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £ 25 .

Missing payments could have severe consequences and make obtaining credit more difficult.

Optional PAYMENT PROTECTION INSURANCE?

MBNA can take care of your MBNA credit card repayments if you're off work due to accident, sickness, involuntary unemployment or become a carer. For 79p per £100 of your statement balance (inclusive of Insurance Premium Tax and including your insurance premium), we could safeguard your repayments against life's unpredictable events. Plus life cover, up to £30,000, is also included.

Where do i make a Complaint?

• If you would like to make a complaint, please write to them at MBNA Europe Bank Limited, PO Box 1004, Chester Business Park, Wrexham Road, Chester CH4 9WW.
  

However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

MBNA customer satisfaction line – Freephone 0800 096 8679
If you are phoning from overseas, please reverse the charges to – +44 1244 672 111

Your right to cancel?

The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without a Court order.
The Act also gives you a number of rights:
1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement.
2) If you received unsatisfactory goods or services paid for under this agreement, apart from any bought with a cash loan, you may have a right to sue the supplier, us, or both.
3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.
If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

Once you have signed, you will have for a short time a right to cancel this agreement. You can do this by sending or taking a WRITTEN notice of cancellation to MBNA Europe Bank Limited, PO Box 1004, Chester Business Park, Wrexham Road, Chester CH4 9WW. You will still have to repay any money lent to you. But if you repay all of it before your first payment is due, you will not have to pay interest or other charges.

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Main Features

Want the rewards from MBNA and the flexability from American Express well now you can with the MBNA Rewards American Express Card the best credit card deal for you. See our review on credit cards and prepaid cards

         
Issued By:
The MBNA Rewards American Express ® Credit Card is issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status, only to UK residents aged 18 or over. You cannot transfer balances from another MBNA account. We will monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.

Disclaimer All credit card APRs, features, charges, benefits and other information listed by Compare Prepaid represent the most recent information available at the time of writing. Every effort is made to keep the site accurate, however we cannot guarantee that a credit card issuer has not increased or decreased one or more of the APRs or fees/charges associated with a particular card or changed its features, obligations or benefits. Please be sure to read the MBNA credit Card agreement fully and carefully before making any agreement.