MBNA AOL Rewards Credit Card

Welcome to Card Karma the Credit Card that finally gives back every time you spend, you really shall receive something in return. From cash & vouchers to wining and dining rewards, you really do have the greatest choice of rewards you have ever seen and once you have made your first purchase you will receive 1,600 bonus AOL Reward Points.

• Spend and you shall receive - earn 1 AOL reward point for every £1 spent on anything, including day-to-day purchases such as food, petrol & bills.

• Access to specially negotiated discounts, privileges and opportunities to earn bonus Reward Points through MBNA RewardsPlus partners, AVIS, CD WOW!, Habitat, and Macdonald Hotels & Resorts.

• Green Rewards - use your card to help the environment! Redeem points against organic and Fair Trade products including wine and chocolate.

• Take advantage of the VIP Travel Service with great offers through MBNA TravelPlus, including up to 30% off brochure prices on flights, hotels, long haul holidays, cruises, city breaks, car hire and airport parking.

• Enter Exclusive Prize Draws where you can win tickets to an AOL Session or an event at the O2 venue.

• Access to the American Express SelectsSM programme offering you the best global shopping, leisure and dining offers.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 16.9% APR (variable)(1.3133% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	16.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.3133% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on:	cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: BMI Classic MasterCard
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