
Credit cards
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.
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Balance transfer credit cards
This type of card could help if you have balances to repay on cards you hold elsewhere.
- Transfer existing credit card and store card balances to just one card.
- Manage your repayments easier in one place and with only one monthly repayment.
- Get an introductory rate. This could save you interest on the balances you transfer and give you longer to repay.
Transfer fees may apply.
Not sure how balance transfers work?
Transfer and purchase credit cards
If you're thinking of making transfers and purchases, this type of card may be for you.
- Get introductory rates on balance transfers, money transfers and purchases.
- Put your everyday spends in one place and spread the costs of those larger purchases.
- Have the option to transfer some of your available credit limit to your current account at an introductory rate.
Transfer fees may apply.
Not sure how transfer and purchase credit cards work?
Purchase credit cards
Whether it’s for everyday essentials or shopping for something bigger, an MBNA purchase credit card can help you pay for things your way.
- Usually comes with a low interest rate on purchases.
- You could earn cashback with MBNA Smart Rewards.
- Section 75 protection on most purchases over £100 but not more than £30,000.
Money transfer credit cards
If you want to use your credit card to help with current account payments, this card could be for you.
- Transfer money from some of your available credit limit to your UK current account at an introductory interest rate.
- Have more flexibility for paying unexpected bills.
- Make a money transfer to use your debit card or cash where credit cards aren’t accepted.
Transfer fees may apply.
Money transfers must be at least £100 and can only go to your own UK current account.
Not sure how money transfers work?
Choosing the right credit card
When you’re looking for a credit card, it’s important you know what you want it for... purchases, transfers, or a card that’ll come in handy for emergencies? This short video tells you all about each type of credit card we offer and what it’s best used for.
When comparing credit card offers:
- Think about how you’ll use your new credit card, both now and in the future.
- Remember to compare all rates and any transfer fees on promotional offers.
- Consider the risk of taking on too much debt and how you’ll repay any amounts owed.
Ready to compare credit cards you’re eligible for?
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.

Frequently asked questions
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Instead of listing every credit card we offer, we’ll only show you cards you’re eligible to apply for, so you can make an informed choice about which cards will suit your needs.
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The right credit card for you depends on what you want to use it for, and on your personal circumstances. For example, if you want to combine existing card balances, then a balance transfer credit card might be useful.
We’d suggest reading through everything on this page and on our website, so you understand exactly which credit card is right for you. We also have a handy guide on choosing the right credit card.
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A credit card can help you manage your finances, but it needs to be the right choice for your needs. Other borrowing options might be more suitable depending on what you need it for.
For example, if you’re looking to build an extension on your home, a credit card might not be the right way to fund it. A loan might be more suitable as you can spread the repayments over an affordable term. However, if you need more flexibility with your monthly repayments, a credit card could be a better option.
Learn more about whether you should choose a loan or a credit card.
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It only does what’s called a ‘soft credit search’. These can’t be seen by other lenders, which means they can’t be used when making lending decisions.