Check if you’re eligible with Clever Check

See which cards you’re eligible to apply for.

Get your estimated credit limit up-front.

Quick and has no impact on your credit score.

Applying for an MBNA credit card

Who can apply

To apply, you must be:

  • aged 18 or over
  • living in the UK
  • in paid employment or getting a regular income.

You must not:

  • be a full-time student
  • have had a request for credit declined in the past month
  • have a history of bad credit, such as bankruptcy or CCJs.

How to apply

Check your eligibility

Answer a few questions and we'll do a soft search. This is so we can show you all your eligible cards. It won't affect your credit score. 

See our cards and rates

Your eligibility check results will show you which cards we're likely to approve you for. You'll also see your estimated credit limit, interest rates and any offers.

Choose whether to apply

If you apply, we'll do a full credit check to help us decide whether to approve you. If we do, you'll get your card within 7 days.

What to have to hand

You’ll need to give us your:

  • email address 
  • phone number
  • main bank account number and sort code
  • UK address history for the past 3 years.

Want to make a balance transfer or money transfer? You can request this during the application or later if you prefer. You'll need the details of the other account to do this.

How Clever Check works

  • Fill in our simple form and we’ll complete a soft search
  • You could get a pre-approved offer
  • Choose your card and complete a full application
  • We’ll carry information over, so you don’t need to type it again
  • Clever Check keeps your details safe and secure, as you’d expect
  • To help you choose a credit card that's right for you, why not try our eligibility checker – Clever Check – before you apply?

    You’ll be able to see which cards you’re eligible to apply for, the rates and offers available, and your estimated credit limit upfront.

    It only takes a few minutes to complete and it won’t affect your credit score.

    Just answer some simple questions online. Then, we’ll do the rest.

    Clever Check will give you an instant decision with no obligation to apply for a credit card afterwards. 

    MBNA – choices made simple.

Good to know

Secure application process - our privacy policy sets out how we use and store your information.

Keeping you safe - we’ll clear your details if you’re inactive for a while.

Your new card - you’ll receive it in the post within 7 days.

Your online account - set up your Online Services profile during or after the application.

Clever Check

To see which cards you’re eligible to apply for and your estimated credit limit up-front, try our eligibility checker, Clever Check.

It takes about 5 mins to complete and it won’t affect your credit score.

Start Clever Check now