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Low Rate Credit Cards

Low Fee Credit Cards

Low interest credit cards from MBNA

Keep an eye on your outgoings with MBNA’s range of low rate credit cards. A card with a low rate can help you pay less  interest than your current credit and store cards. Depending on the card you choose, you can also benefit from rates that stay low when you hit the high street, shop online or make a transfer2

You could use a low rate credit card to make a larger purchase and be paying consistently low interest – even when the promotional period ends. Giving you the things you need now while having a sensible rate to pay off your balance over a sensible term.

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On selected products you may still be able to complete an eligibility check before completing a full application, without affecting your credit rating.

Our long-term low interest credit cards

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Balance Transfer Transfer terms
{balance_transfer_percentage}% for up to {balance_transfer_period} months ({balance_transfer_fee_percentage}% handling fee, £{balance_transfer_fee_pounds_minimum} min) Transfer terms
Money Transfer Transfer terms
{money_transfer_percentage}% for up to {money_transfer_period} months ({money_transfer_fee_percentage}% handling fee, £{money_transfer_fee_pounds_minimum} min) Transfer terms
Card Purchases Card purchase terms
{card_purchases_percentage}% for up to {purchases_period} months Card purchase terms
Additional Information
No annual fee
{card_title} Standard rates / fees after promotional offer ends

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

Balance Transfer
bt_rate%p.a (variable) (bt_fee_percentage% handling fee)
Money Transfer
mt_rate%p.a (variable) (mt_fee_percentage% handling fee)
Card Purchases
purchases_rate%p.a(variable)

Representative example: {repex_value}% p.a. (variable) on card purchases. This is equivalent to {equiv_value}%APR representative (variable). Based on a credit limit of £{based_on_value}.

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Not just low rates…

With your MBNA credit card you’ll enjoy the convenience of mobile banking with online account management to make managing your credit card easy, as well as all the usual standard features such as fraud protection. Along with contactless technology and our award-winning customer service as standard, your card comes with all the little extras you’d expect3.

Want to know more? Find out more here

Transferring other debts to this card and paying only the minimum amount due each month may lower your overall monthly debt repayments, but it may take you longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.

2 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.

3 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 all 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 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.