MBNA Platinum Rewards Visa Credit Card

MBNA credit card review: Platinum Rewards Visa

OUR editors are currently reviewing this MBNA Platinum Rewards credit card. Check back soon to find out what we think!

All the details on this page are accurate and you can sign up directly with MBNA through any of the 'apply now' buttons on this page.

Interest Rates and Fees
		Notes..
Typical APR	16.9% APR (variable)	16.9% APR - 24.9% APR. The rate you receive will depend upon an assessment of your circumstances and credit history. The typical APR is the rate most people are offered.
Introductory Purchases	0% for 12 months	0% for 12 months for purchases of individual transactions of £100.01 and above. 0% for 6 months for purchases of individual transactions of £100 and below. Payments will be applied towards the shorter length 0% purchase balance first. However, once the initial 6-month period ends, any remaining balance or future balance of transactions costing £100 or less will be paid off after any transactions costing £100.01 or more still at 0%. After the introductory period purchases will be charged at the standard rate of 16.9% - 24.9% p.a.
Balance Transfers	n/a
Balance Transfer Fee	3% (£3 minimum)	This fee applies to balance transfers. Money transfers will be charged a 4% fee.
Cash Withdrawal Rate	27.9% p.a. (variable)	-
Cash Withdrawal Fee	3% (£3 minimum)	-
Annual Fee	None	-
Foreign Transaction Fee	2.75%	This fee will be charged if you make a purchase or cash withdrawal in a foreign currency.

Rewards
		Notes..
Reward #1	MBNA Rewards	Earn 1 point for every £1 spent in purchases Points can be redeemed for travel, entertainment, shopping vouchers and even cash.
Reward #2	MBNA TravelPlus	Travel booking service with special offers on flights, hotels and holidays.
Reward #3	American Express Selects	Exclusive offers and discounts on leisure, dining and shopping.

Cardholder Services & Extras

Online Account Management		You can log in to a website and manage your MBNA Rewards American Express credit card account online. Optional paperless statements.
Fraud Guarantee		There is no liability or excess to pay for theft, loss or fraudulent use online or on the high street, as long as you notify MBNA as soon as your card cannot be found or you notice any unsual transactions on your account.
Fraud Monitoring		Fraud Warning System MBNA will monitor your account for any suspicious activity. They also offer a purchase disputes team and a 24/7 365 helpline.
Identity Protection		MBNA do offer a Identity Theft Protection Scheme, which is a free booklet offering advice on how to protect yourself from ID theft.
Verified by Visa
Purchase Protection Insurance
Purchase Delivery Insurance
Comprehensive Travel Insurance
Travel Accident Insurance
Travel Inconvenience Insurance
Assistance Abroad
Emergency Card Replacement
Other Extras	- 24 hour UK based customer services - Up to 3 additional cardholders free.
Optional Extras	These are extras that you can choose, but you will have to pay for them. - Payment protection - Card protection - Identity protection alert.

Payments & Payment Details
		Notes..
Credit Limit	£1,500 assumed	Credit limit subject to status.
Interest Free Period	Up to 50 days	For purchases if you pay your statement balance in full and on time every month. There is no interest free period for balance transfers, money transfers or cash advances - except for those within an interest free promotional offer.
Minimum Monthly Payment	1% (£25 minimum)	If your balance is less than £25 you must repay your balance in full. Otherwise, you must repay the greater of: - £25, OR - 1% of your statement balance before any default charges and interest, plus any default charges and interest on the statement.
Allocation of Payments	Low interest rate balances » Higher interest rate balances	Where there are two or more balances at the same promotional rate they will repaid in the following order: - The one which expires first, Then - If the expiry dates are the same - the one which started first, Then - If the expiry and start dates are the same - the one with the lowest standard rate.
Default Charges	£12	This is how much you will be charged for late payments, returned payments and if you go over your credit limit.

Card Details
		Notes..
Online Application	Yes	-
Card Type	Classic	-
Payment Company	Visa	The company who provides the payment technology and infrastructure to allow you to use this credit card. Retailers and ATM machines displaying the 'Visa' logo will accept this credit card.
Card Issuer	MBNA	The bank who issues this credit card. MBNA Europe Bank Limited Stansfield House Chester Business Park Chester CH4 9QQ
Card Advertiser	MBNA	The company who advertises and promotes this credit card.