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MBNA
Enjoy up to 36 months 0% interest on balance transfers with a low transfer fee of 3.29%. Fast eligibility check and cashback available for large transfers.
The MBNA Long Balance Transfer Card is an excellent choice for anyone looking to consolidate credit card debt or save on existing balances. With a 36-month 0% balance transfer offer, you can clear your balances interest-free for three years. A one-time transfer fee of 3.29% applies, and the standard representative APR is 24.9% variable. Most new applicants receive an average credit limit of £2,000, and there’s even a £25 cashback reward plus a 12-month Apple TV subscription for qualifying transfers.
How to Apply for the MBNA Long Balance Transfer Card
Applying is simple and straightforward. Firstly, decide if a balance transfer feature best suits your needs. Then, prepare your personal and financial details, such as your income and address history, to complete the application form online. Use the eligibility checker to find out your chances of acceptance without affecting your credit score. Once approved, your card will arrive by post, and you can start moving over your existing balances and enjoying the promotional period.
Benefits of the MBNA Long Balance Transfer Card
This card’s extended 0% balance transfer period stands out, making it ideal for those who want to manage multiple debts in one place. The cashback offer for qualifying balance transfers further enhances its value. Additionally, the fast and secure contactless payment limit up to £100 is perfect for everyday spending.
Drawbacks to Be Aware Of
While the long 0% period is appealing, it ends after 36 months, at which point standard APR will apply to any remaining balance. Also, a balance transfer from another MBNA card is not allowed, and a 3.29% transfer fee does apply. Knowing this in advance helps avoid surprises down the line.
Verdict: Should You Choose the MBNA Long Balance Transfer Card?
If you have high-interest balances elsewhere, the MBNA Long Balance Transfer Card is a smart way to save on interest and manage repayments more effectively. With a generous 0% window and easy eligibility checking, it’s a competitive offer worth considering for UK cardholders looking for a clear path to being debt free.
