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MBNA Low Rate Credit Card

MBNA Low Rate Credit Card

MBNA Low Rate Credit Card

  • 4.9% p.a. for up to 48 months (4 years) on purchases (8.9% APR thereafter)
  • 4.9% p.a. for up to 48 months (4 years) on balance and money transfers with a 0.5% fee
  • 4.9% p.a. applies to transfers made in the first 60 days, 8.9% APR and 0.99% fee for any transfers thereafter
8.9% APR
Representative (variable)
4.9% interest on transfers
Transfer fee
4.9% interest on purchases
More info
Can I get this card?
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer from MBNA accounts

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 8.9% (variable) per annum, your representative APR is 8.9% APR (variable)

MBNA Limited credit cards

MBNA Limited is one of the largest credit card providers in the United Kingdom. They are authorised and regulated by the Financial Conduct Authority, and they also voluntarily follow the Lending Code. Their UK head office is in Chester, although their parent company is based in the United States.

MBNA was founded in Delaware, U.S.A in 1982. The initials themselves stand for Maryland Bank National Association. Their rapid expansion led to them becoming one of America’s biggest suppliers of credit cards, which they then took overseas. Their United Kingdom operations, based in the north west of England, began in 1993.

In 2006 the company was bought by Bank of America, one of the world’s largest banking and financial institutions. And operated as part of the Bank of America for a decade, before being brought under the Lloyds Banking Group umbrella in 2017.

Their range of cards includes standard credit cards, reward cards, and credit cards that are specially designed to be used in conjunction with balance transfers.

Interest rates vary depending upon the card that is issued, and both the choice of card and the credit limit will be determined by a number of factors during the application process. These include looking at an applicant’s current financial situation, as well as looking at their credit score. In this way, MBNA can find the credit card that’s most suitable for the applicant. Applications can be made online, via their website.

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.