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More...If your credit record isn't up to scratch you could end up being charged a higher rate of interest for your borrowing or even have your application declined. To check your record for free, just click
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| AOL :: American Express | |
|---|---|
| Typical APR (variable) | 16.9% |
| Annual rates for cash withdrawals | 27.90% |
| Cash withdrawal charge | 3.00% |
| Cash Withdrawal minumum fee | £3.00 |
| Minimum salary required to apply | £ |
| Intro rate | 0.00% |
| Introductory rate period | 12 mths |
| Maximum interest free period | 56 Days |
| Existing card debt transfer allowed |
|
| Travel/accident insurance | None |
| Purchase protection | None |
| Loyalty bonus/cash back | Reward Points |
| Annual Fee | None |
| Notes |
|---|
| Introductory rate applies for 12 months from account opening on balance transfers and credit card cheques and for 3 months on purchases, the charges are 3% handling fee (min £3) on credit card cheques and balance transfers. Card issued by MBNA Europe Bank Ltd, who reserve the right to issue a Standard Card which will have a lower credit limit. For every £1 you spend you’ll receive 1 reward point which can be used towards cash and shopping vouchers. You’ll also receive 1,600 MBNA Reward Points when you make your first card purchase within the first 90 days. Access to American Express Selects offering you the best global shopping, leisure and dining offers. 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. No annual fee. After the 3 month intro period for purchases there is an interest free period of up to 56 days for purchases, if you pay your balance in full and on time. Interest on cash will be charged on a daily basis from the date of transaction until your account is paid in full. Interest on balance transfer will be charged on a daily basis from the end of any intro period. For full details of how payments received are applied to your account please refer to the credit card agreement terms and conditions. Default charges £12 for going overlimit, making late payments and for returned payments. See terms and conditions for more details. |
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Last Updated: 25-05-2012