Purchase Credit Cards

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).

Card Name	Balance Transfer	Purchases	Representative APR (variable)	Key features
MBNA Platinum Visa Credit Card	0% for 16 months	0% for 3 months	16.7% p.a. (variable) on card purchases. Equivalent to 16.7% APR representative (variable) based on a credit limit of £1200.	Lengthy introductory rate on balance transfers Money transfers from your credit card to your current account
bmi American Express® Credit Card	0% for 12 months	0% for 3 months	16.9% p.a. (variable) on card purchases. Equivalent to 16.9% APR representative (variable) based on a credit limit of £1200.	20,000 bonus destinations miles when you spend £250 on your card within the first 90 days Money transfers from your credit card to your current account
Arsenal Credit Card	0% for 12 months	0% for 3 months	16.7% p.a. (variable) on card purchases. Equivalent to 16.7% APR representative (variable) based on a credit limit of £1200.	Earn 1 point for every £1 spent on card purchases; redeem points for merchandise and offers Money transfers from your credit card to your current account

Our purchase credit cards guide

Our purchase credit cards benefit from competitive rates on card purchases which allows you to spread the cost of the purchase over a few months during an introductory period.

Ideally suited for…

Balance transfer credit cards are ideally suited to people who already have an existing rate on another credit card or a store card. By transferring your existing credit card debt to a new card you can pay a lower rate of interest on the debt for the introductory period e.g. 13 months.

Benefits

Pay off existing debt at a lower rate of interest—having a new credit card with an introductory balance transfer rate can help you pay of your debt at a lower rate of interest and help you save money on your repayments.
Organise your finances—if all your debt is in one place it’s easier to keep on top of your finances with only one monthly payment to think about
Great introductory rates—whether you're looking to transfer a balance from an existing credit card or simply want to make a card purchase, MBNA offer competitive introductory rates and APR.
All the features of a traditional credit card—all our credit cards carry the same great features and services, including Online Card Services, paperless statements online, fraud protection and free 24-hour UK based customer service helpline.
Optional extras to protect your card—just like our traditional credit cards we offer you the same optional extras to protect yourself from the unexpected including LifestyleProtect, Card & Phone SOS and Identity Protection.

From the date your account is opened. A handling fee applies to balance transfers and money transfers. Balance transfers and money transfers must be made within 90 days of account opening. From the date your account is opened. If you have two or more promotional offers at the same rate, we will use your payments to reduce any promotional balance with the lowest standard rate last, even if this offer ends first. This could mean that any such balance may not have been reduced by the time the standard rate applies to it. Full details of the reward programme will be sent to you once your account is opened. From the date your account is opened. A handling fee applies to balance transfers and money transfers. Balance transfers and money transfers must be made within 60 days of account opening. Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions