Choose the credit card that is right for you, with informative reviews and advice.

MBNA BT Credit Card Review

BT Credit Card

Have more with The BT Visa® Credit Card! This card gives you 0% p.a. on balance transfers for 12 months (3% handling fee applies) AND 0% p.a. on card purchases* for 3 months from the date your account is opened 16.9% APR typical (variable). Plus, unlike some other lenders, BT Credit Card guarantee that if your application is successful the rate you apply for is the rate you’ll get - no exceptions! There is no annual fee to pay and no liability or excess to pay for theft, loss or fraudulent Internet use - as long as you tell us as soon as your card cannot be found or you notice any unusual transactions on your account. On top of that, there is a free 24-hour worldwide telephone helpline and online banking service that provide control and flexibility in managing your account. BT Visa® Credit Card. Great promotional rates on balance transfers AND card purchases.


Summary

Introductory
Balance Transfer Rate0%
Balance Transfer Period12 Months
Balance Transfer Fee3%
New Purchase Rate0%
New Purchase Period3 Months
Standard
Typical APR (variable)16.90%
Monthly Rate1.31%
Interest Free Period on Purchases56 days (maximum)
Cash Advance Rate27.90%
Cash Advance Fee3% (min £3.00)
Minimum Payment3% (min £25.00)
Annual FeeN/A
Foreign Exchange Fee2.75%
Benefits
CashbackN/A
Loyalty Point SchemeYes
Purchase ProtectionN/A
Travel BenefitsN/A
Other BenefitsN/A
Details correct at time of publication

Benefits include (some conditions may apply)

  • Every time you spend on your BT Visa® Credit Card you'll earn money off your BT bill.
  • 0% p.a. on balance transfers for 12 months from the date your account is opened (3% handling fee applies) .
  • 0% p.a. on card purchases for 3 months from the date your account is opened.
  • 16.9% APR typical rate (variable).
  • Manage your account online at www.bt.com/mycreditcard.
  • Free 24 hour worldwide Customer Service Helpline.