MBNA credit card review
What do MBNA credit cards offer?
MBNA has a wide range of credit cards, including 0% balance transfer and 0% interest-free deals.
It's also one of a handful of providers that offers 0% money transfer deals. These allow you to shift money from your card into your bank account, interest-free for a set time.
The MBNA Limited Long 0% Money Transfer Credit Card Mastercard is a Which? Best Buy. It offers 14 months interest-free on money transfers, with a competitive 3.49% money transfer fee. It has a representative APR of 24.9% (variable).
- Find out more: best credit card deals
How does MBNA compare with other providers?
MBNA achieved a customer score of 66% in our latest credit card provider satisfaction survey, placing it in the bottom half of our table. It came joint 21st out of 31 providers, alongside The Co-operative Bank, Marbles and Metro Bank.
- Find out more: visit our guide to the best credit card providers to read the full survey results and compare MBNA's customer score with other companies
Is MBNA a good credit card provider?
Our survey also reveals how MBNA customers rated the provider across the following five categories:
| Customer satisfaction category | MBNA star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via a mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review MBNA to find out more about our research.
Your MBNA credit card questions answered
Grace, our credit card expert, answers the top questions people have about MBNA credit cards.
Does MBNA offer an eligibility check?
Yes. MBNA Clever Check allows you to see which MBNA credit cards you will qualify for before you apply without impacting your credit score.
Where are MBNA credit cards accepted?
MBNA credit cards are issued on the Mastercard network, so can be used at millions of places in the UK and around the world.
Who owns MBNA?
Lloyds Banking Group took over MBNA in 2017. However, there were no changes for existing customers and the two brands remain distinct from each other.
You can still transfer balances from MBNA cards to any existing Lloyds Banking Group brand, including Halifax, Bank of Scotland and Lloyds Bank.
How we review MBNA
Here's some more information about our research and the terms we use in this review.
Which? Best Buys
To become a Which? Best Buy, a credit card has to meet a range of category-specific benchmarks set by our analysts. For example, we look at the size of the balance transfer fee as well as the 0% period on balance transfer credit cards.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.