Long-term low interest rates

Featuring introductory offers with low transfer fees and low rates, helping you manage your outgoings now, and in future.

Low standard interest rates

Manage your monthly budget or spread the cost of purchases, with long-term low interest rates.

Clever Check - our credit card eligibility checker

Making it easier to compare MBNA credit cards and find the right one for you.

More about Clever Check

See MBNA credit cards you’re eligible to apply for.

See your estimated credit limit up front.

See the likelihood of you being accepted.

It’s quick and won’t affect your credit record.

Low rate credit card video

Low interest rate credit cards - in summary

This video explains the key benefits of low interest rate credit cards, just to give you a flavour of what you could use one for... they’re pretty handy for a range of credit needs, all at low interest rates.

Standard features and benefits
 

Keep track online

Using online and mobile services, it’s easy to keep track and manage your low interest credit card account when it suits you best.

No liability

You won’t be liable for any transactions that are confirmed as fraudulent, providing you tell us as soon as you spot anything unusual or if your card is missing.

Easy payments

We offer a range of convenient payment options, including debit card, Direct Debit and at your bank or building society.

UK call centre

When you have questions about your low interest credit card, our friendly team are just a phone call away.

Contactless payments

Make contactless transactions with your low interest credit card, or by adding the details to a compatible mobile device.

Paperless statements

Low interest credit cards are set up with paperless statements as standard. We’ll email you when a new one is available to view online.

Ready to see low interest rate credit cards you’re eligible for?

It’s easy with the help of Clever Check - our credit card eligibility checker. In just a few minutes see the MBNA credit cards you’re eligible to apply for, your estimated credit limit and likelihood of being accepted - all without affecting your credit rating.

More about Clever Check

To be eligible, you must:
 

  • Be a UK resident, aged 18 or over, with a regular annual income.
  • Provide at least 3 years’ UK address history, an email address and phone number.
  • Provide your main bank account number and sort code.
  • Be free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
  • Not be unemployed or a student.
  • Not have been declined for an MBNA credit card within the last 30 days.

 

We also consider things like:

·Your credit history, both past and present, including previous full credit searches and affordability based on your income.
 

After your Clever Check

To request a transfer as part of your application, you’ll need your non-MBNA credit or store card details to hand (Visa®, Mastercard® or American Express®). You can do this later if you’d prefer.

Useful information
 

The application process is secure. Our privacy policy sets out how we use and store your information.

To keep your details safe, we’ll clear the form after a period of inactivity.

If you’re approved after completing a full credit card application, your new card will be delivered within 7 days.

You can set up Online Card Services log in details as part of your application, or later if you’d prefer.

Making sure you get a fair deal

We want you to find a credit card that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.