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Clever Check - our credit card eligibility checker

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


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

See your estimated credit limit up front.

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

Balance transfer credit cards

Transfer more expensive credit or store card balances from another lender to an MBNA credit card. More about balance transfer credit cards.

More about balance transfer credit cards

Transfer and purchase credit cards

With offers on transfer and purchases, an MBNA transfer and purchase credit card may be the best card for your needs.

More about transfer and purchase credit cards

Purchase credit cards

MBNA purchase credit cards for everyday spend or to spread the cost of larger purchases.

More about purchase credit cards

Money transfer credit cards

A money transfer lets you transfer funds from your MBNA credit card to any of your own UK current accounts.

More about money transfer credit cards

Sounds like a lot to compare?

Your Clever Check results will only include the credit cards you’re eligible to apply for, making it easier to compare features and benefits.

More about Clever Check

When you compare 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 will repay any amounts owed.

Ready to compare 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 and your estimated credit limit - without affecting your credit rating.

Start Clever Check now


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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 login details as part of your application, or later if you’d prefer.

The MBNA geeks

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 (PDF)Statement of responsibilities, which details what's expected of us, the lender and you the borrower.