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MBNA / AAdvantage® Credit Card

Start your adventure. You’ve earned it

MBNA / AAdvantage® Credit Card
  • Welcome Bonus of 5,000 AAdvantage® miles when you make your first card purchase within 90 days of your account opening.1
  • Earn 1.25 AAdvantage® miles for every £1 you spend on card purchases, helping you get to your destination or upgrade even faster2
  • 0% on all American Airline flights for up to 12 months from the date your account is opened.
    When this offer comes to an end a standard rate of 22.9% p.a. applies3
  • 0% on balance & money transfers for up to 6 months from the date your account is opened. Balance transfers have a 3% handling fee. Money transfers have a 3% handling fee. Offers only apply to transfers made in the first 90 days
    When these offers come to an end and for transfers made after the 90 days, the standard rate for balance transfers is 22.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).
  • Check your eligibility before you apply Eligibility for this credit card depends on your circumstances and the results of the eligibility check.
  • Welcome Bonus of 5,000 AAdvantage® miles when you make your first card purchase within 90 days of your account opening.1
  • Earn 1.25 AAdvantage® miles for every £1 you spend on card purchases, helping you get to your destination or upgrade even faster2
  • 0% on all American Airline flights for up to 12 months from the date your account is opened.
    When this offer comes to an end a standard rate of 22.9% p.a. applies3
  • 0% on balance & money transfers for up to 6 months from the date your account is opened. Balance transfers have a 3% handling fee. Money transfers have a 3% handling fee. Offers only apply to transfers made in the first 90 days
    When these offers come to an end and for transfers made after the 90 days, the standard rate for balance transfers is 22.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).
     
    The APR, fees and duration of the offer shown may vary depending on the next stage of the eligibility process.
  • Welcome Bonus of 5,000 AAdvantage® miles when you make your first card purchase within 90 days of your account opening.1
  • Earn 1.25 AAdvantage® miles for every £1 you spend on card purchases, helping you get to your destination or upgrade even faster2
  • 0% on all American Airline flights for up to 12 months from the date your account is opened.
    When this offer comes to an end a standard rate of 22.9% p.a. applies3
  • 0% on balance & money transfers for up to 6 months from the date your account is opened. Balance transfers have a 3% handling fee. Money transfers have a 3% handling fee. Offers only apply to transfers made in the first 90 days
    When these offers come to an end and for transfers made after the 90 days, the standard rate for balance transfers is 22.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).
      
    You’ll get the offer shown, providing you don’t change your details, and subject to fraud, anti-money laundering and bankruptcy checks.

All standard interest rates and handling fees are variable, so may differ from those shown after your offer ends.

Representative example:
22.9% p.a. (variable)
on card purchases
This is equivalent to
38.4%APR
representative (variable)
Based on a
£1,200
credit limit
Check eligibility

Annual Fee of £70 is payable

Annual Fee of £70 is payable

Remember to stay within your limit and to make your monthly payments on time, otherwise you’d lose the promotional offers on your account and pay the standard interest rate instead.*

Where will your miles take you?
<p>Earn miles on everyday spends and not just when you fly with the MBNA / AAdvantage<sup>®</sup> Credit Card, giving you earning potential for even more miles.</p>

Earn miles on everyday spends and not just when you fly with the MBNA / AAdvantage® Credit Card, giving you earning potential for even more miles.

<p>Use your MBNA / AAdvantage<sup>®</sup> Credit Card with American Airlines partners and earn even more miles.</p>

Use your MBNA / AAdvantage® Credit Card with American Airlines partners and earn even more miles.

<p>Flexibility comes as standard with the AAdvantage<sup>®</sup> programme. Redeem your miles for upgrades on American Airlines, British Airways and Iberia.**</p>

Flexibility comes as standard with the AAdvantage® programme. Redeem your miles for upgrades on American Airlines, British Airways and Iberia.**

<p>Why not use your miles for Admirals Club<sup>®</sup> membership to give you access to 50 Admirals Club<sup>®</sup> and nearly 40 partner lounges worldwide?**</p>

Why not use your miles for Admirals Club® membership to give you access to 50 Admirals Club® and nearly 40 partner lounges worldwide?**

Other benefits
MBNA / Aadvantage Visa Credit Card
Other benefits

Contactless and mobile payments

Make fast and secure payments using a card, or a range of mobile devices, usually without entering your PIN.

UK call centres

Wherever you are, we're just a phone call away.

Banking on the go

Manage your account using our range of online and mobile services.

24 hour fraud support

You will not be liable for fraudulent transactions online or on the high street (including contactless transactions), providing you tell us as soon as you notice any unusual transactions or you can’t find your card.

Paperless statements

We'll let you know by email when there's a new statement to view online.

Add cardholders

Add up to 3 additional cardholders − they’ll each receive a card and PIN.4

Easy payments

We offer a range of payment options, including Direct Debit.

Useful information

Eligibility criteria

  • You’re a UK resident.
  • You’re aged 18 or over.
  • You’ve had a permanent UK address for 3 years or more.
  • You have a good credit rating/history.
  • You’re not unemployed or a student.

You’ll need to provide

  • Your address history for at least 3 years.
  • Contact details, including an email address.
  • Employment and salary information.
  • UK bank account details.

Eligibility check

Find out if you are eligible before applying. As part of the eligibility check a quotation search will be carried out which won’t show up on your credit record as full search so it won’t affect your credit rating.

Eligibility for this credit card depends on your circumstances and the results of the eligibility check.

What do you know about MBNA?

Based in the UK since 1993.

Moneyfacts Consumer Credit Card Provider of the Year for 4 years running.5

The  AAdvantage® programme is provided by American Airlines Inc. AAdvantage® miles are earned on card purchase transactions only. Cash advances, money transfers and balances transfers do not earn AAdvantage® miles. Cash substitute transactions (such as non-sterling currency, casino and gambling type transactions), finance charges, default charges, interest, payment protection insurance premiums, fees (including non-sterling transaction fees and card fees) and unauthorised or fraudulent transactions do not earn AAdvantage® miles (unless we inform you otherwise). We may withhold or withdraw miles accrued or earned on card purchases made whilst your account balance is in credit. You will not be able to earn AAdvantage® miles if you are in breach of your terms and conditions, for example if you haven't paid on time or have gone over your credit limit.

For full AAdvantage® programme terms and conditions, please visit www.aa.com/aadvantage

1 5,000 American Airlines AAdvantage® bonus miles will be awarded to you after making your first card purchase within 90 days of your account being opened. Please allow four to six weeks after your transaction appears on your credit card statement for the AAdvantage® miles to be posted to your AAdvantage® membership account. This offer is only available once for every new customer applying for the MBNA / AAdvantage® Credit Card. Previous and existing MBNA / AAdvantage® Credit Card Account holders are not eligible. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

2 Every £1 you spend on card purchases earns you AAdvantage® miles. The number of whole AAdvantage® miles earned each month from credit card spend that are displayed on your monthly credit card statement will then be added to your MBNA / AAdvantage® Credit Card Account within 30 days of the statement date. Please note, it is not possible to allocate AAdvantage® miles to your account before they have appeared on your statement. Where a refund is made on your card, your AAdvantage® miles total will be adjusted accordingly. If your  MBNA / AAdvantage® Credit Account is closed before the production of your next statement, then any AAdvantage® miles you have earned during the current statement period will be lost. AAdvantage® miles can be suspended or cancelled if you do not keep your account in good standing. If you are already a AAdvantage® member  it is your responsibility to enter your existing membership number on the application. Failure to do so will result in automatic duplicate enrolment into AAdvantage® programme. Please note the membership number you give us must be for a AAdvantage® programme account in your name. If you have any additional card members on your card account, any AAdvantage® miles they earn by spending on their cards will also be credited to your AAdvantage® programme account. Your personal information will be processed by American Airlines, Inc. so they can enrol you in the AAdvantage®  programme and to calculate and apply the amount of any miles you earn.

3 American Airlines flights booked at www.americanairlines.co.uk or directly through the American Airlines telephone reservations centre. To receive this promotional offer flights must be purchased within 12 months of your account opening.

AAdvantage® members must have mileage earning or redeeming activity once every 18 months in order to retain their miles. If your account has no qualifying activity in any 18-month period, all miles in the account will expire. Each qualifying activity extends the expiration date of all unexpired mileage credit in your account for 18 months from the date of the qualifying activity. Qualifying activity is defined as redeeming any AAdvantage® award or accruing mileage credit on any eligible American, American Eagle®, American Connection® or AAdvantage® airline participant as well as accruing mileage credit with participating hotels, car rental companies, credit cards, telecommunication providers and other service providers offering AAdvantage® mileage credit.

American Airlines reserves the right to change AAdvantage® programme rules, regulations, travel awards and special offers at any time without notice and to end the AAdvantage® programme with six months' notice. Any such changes may affect your ability to use the mileage awards or credits that you have accumulated. Members may not be able to obtain all offered awards at all times or use awards for all destinations or on all flights. AAdvantage® travel awards, mileage accrual and special offers are subject to government regulations. Unless specified, AAdvantage® miles earned through this promotion/offer do not count toward elite-status qualification or Million MilerSM status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® programme, visit www.aa.com/aadvantage. American Airlines, AAdvantage®, AAdvantage® with Scissor Eagle design and Million Miler are trademarks of American Airlines, Inc.

**Visit www.americanairlines.co.uk for more information on redemptions.

4 Any additional cardholder(s) must be over 18 years of age, reside at the same primary address, and have a relationship of close family member (defined as; spouse, child, parent, sibling or domestic partner). Please note additional cardholder(s) will have access to your account information including transaction details.

5 Moneyfacts Consumer Credit Card Provider of the Year 2014, 2015, 2016 and 2017.

Important: if you plan to pay your balance in full every month to avoid interest on card purchases, please consider whether making a transfer is right for you. Card purchases will only remain interest free if you pay the whole balance (including the amount of any transfer) in full every month, or if you have a 0% promotional rate on card purchases, otherwise interest will be payable.

*Promotional offers will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

The MBNA / AAdvantage® Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.