Compare our credit cards

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.

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.


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.

Check your eligibility

More about purchase cards


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.

  • Helping you understand credit cards.

    A credit card can help you pay for things your way.

    Unlike your debit card, a credit card pays with borrowed money, which then needs to be paid back later.

    You’ll be charged for borrowing in two ways:

    Interest ... which will be a percentage of the money you borrow on your credit card.

    And fees ... such as an annual fee or transfer fees ... or a charge for things like late payments.

    A credit card comes with a credit limit – the maximum amount you can borrow with the card based on your circumstances … and your credit history.

    You’ll have a minimum monthly repayment you’ll need to make – although you can vary how much you pay back each month above that amount.

    Every month, you’ll get a credit card statement showing your balance, the minimum you need to pay and when to pay it by.

    If you can pay off your entire balance before the due date, that’s great – you won’t pay any interest at all.

    If you pay it back over a longer period, that’s fine too, but you’ll pay some interest … unless you have an interest-free offer.

    Generally, the more you pay, the less the interest you’ll pay overall.

    So it’s a good idea to pay off as much as possible, whenever you can.

    If you already have borrowing, a balance transfer lets you move your balance from one credit card to another with a different provider.

    This could mean moving to a card with a lower interest rate, which might reduce your monthly outgoings.

    Credit cards also offer protection under Section 75 of the Consumer Credit Act.

    This means you could get your money back if you run into a problem with most purchases over £100 up to £30,000.

    The key points to remember when choosing a credit card are:

    Be aware of interest charges and fees … and the more of your balance you pay off each month, the less interest you’ll pay.

    So, think about what you want to use your credit card for and take your time to find the one that’s right for you.

    MBNA – choices made simple.

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?

To help you understand credit cards, please watch our short video.

Our guide to choosing a card

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.

Start Clever Check now

Frequently asked questions