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Miles & More Credit Card Account

Miles & More Credit Card Account
  • Welcome Bonus of up to 1,500 award miles1 when you make a card purchase within 90 days of account opening.
  • 0% on balance & money transfers for up to 12 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).
  • 0% on card purchases for up to 3 months from the date your account is opened.
    When this offer comes to an end a standard rate of 22.9% p.a. applies.
  • 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 up to 1,500 award miles1 when you make a card purchase within 90 days of account opening.
  • 0% on balance & money transfers for up to 12 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).
  • 0% on card purchases for up to 3 months from the date your account is opened.
    When this offer comes to an end a standard rate of 22.9% p.a. applies.
     
    The APR, fees and duration of the offer shown may vary depending on the next stage of the eligibility process.
  • Welcome Bonus of up to 1,500 award miles1 when you make a card purchase within 90 days of account opening.
  • 0% on balance & money transfers for up to 12 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).
  • 0% on card purchases for up to 3 months from the date your account is opened.
    When this offer comes to an end a standard rate of 22.9% p.a. applies.
     
    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
22.9%APR
representative (variable)
Based on a
£1,200
credit limit
Check eligibility

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.*

Earning miles

Two cards on one account, working seamlessly to help you earn Miles & More award miles faster.

American Express logo

Miles & More American Express® Credit Card

2 award miles for every £1 spent on card purchases using this card for 6 months from the date your account is opened.1

VISA company logo

Miles & More Visa Credit Card

1 award mile for every £1 spent on card purchases using this card for 6 months from the date your account is opened.1

How can you spend your miles?
<p>Miles & More Partners: Redeem your award miles for flights, upgrades, hotels and much more.</p>

Miles & More Partners: Redeem your award miles for flights, upgrades, hotels and much more.

<p>American Express<sup>®</sup> rewards: Exclusive offers from American Express Connect<sup>TM</sup>.</p>

American Express® rewards: Exclusive offers from American Express ConnectTM.

Other benefits
MBNA Miles & More Lufthansa dual 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.

No expiry date on miles

Miles are exempt from expiry provided you make a miles qualifying card purchase at least once a month (that is not returned or refunded) and have held the Miles & More credit card for at least three months.4

Two cards, one account

Two cards, one PIN, one account to manage, miles earned from both cards go into your account.

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.2

Easy payments

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

No annual fee

We don’t charge an annual fee for having this credit card.

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.3


Award miles are earned on card purchase transactions only. The award miles programme is provided by Miles and More. You will not be able to earn award 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.

1 A Welcome Bonus of 1,500 award miles will be credited to your Miles & More Credit Card Account when you make your first card purchase (retail spend) on either your Miles & More American Express®  Credit Card from MBNA or your Miles & More Visa Credit Card within the first 90 days of your account opening. The Welcome Bonus is only available once for every new customer applying for a Miles & More Credit Card Account. You will not be eligible for a Welcome Bonus if you are a returning customer and previously received a Welcome Bonus for a Miles & More Credit Card Account.

Earn 2 award miles per £1 retail spend on your Miles & More American Express® Credit Card from MBNA for the first 6 months from your account opening date, earn 1.5 award miles per £1 retail spend thereafter. Earn 1 award mile per £1 retail spend on your Miles & More Visa Credit Card for the first 6 months from your account opening date, earn 1.5 award miles per £2 retail spend thereafter. Award miles are only earned on retail spend and not on cash transactions, money transfers and balance transfers. Please allow up to four weeks for award miles to be added to your Miles & More account.

Award miles will remain valid for an unlimited period of time provided that you make a card purchase at least once a month and have held a Miles & More Credit Card Account for at least three months. For full terms and conditions please visit www.miles-and-more.com/EN/no-mileage-expiration.

2 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).

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

4 With the Miles & More Credit Card your miles are exempt from expiry provided you make a miles qualifying card purchase at least once a month (that is not returned or refunded) and have held the Miles & More credit card for at least three months. If one of the conditions is not met, the mileage expiration is reactivated and the miles will expire again according to the Miles & More terms and conditions. Not relevant for Frequent Travelers, Senators and HON Circle Members as, due to their status, miles will not expire as long as they hold the status. For further information please visit miles-and-more.com/en/no-mileage-expiration.

If you make card purchases, you will pay interest on these transactions, unless you pay your statement balance in full, every month or if you have a retail promotional interest rate of 0% on your account.

* 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 credit cards are 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. American Express® is a registered trademark of the American Express company. MBNA Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. 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.