MBNA Dual 0% Balance Transfer and Purchase Credit Card — 2025 Review

Why This Card Stands Out in 2025 In the crowded UK credit card market.

The MBNA Dual 0% Balance Transfer and Purchase Credit Card is one of the few products offering interest-free periods for both balance transfers and new purchases.
For consumers looking to consolidate debt while still being able to make big-ticket purchases without paying interest, this card offers a unique balance of flexibility and savings.

Main Benefits

• 0% interest on balance transfers for up to 24 months (when made within the first 60 days).
• 0% interest on new purchases for up to 22 months.
• Competitive standard variable APR after the promotional period (around 26.9%).
• Easy online application and eligibility check that doesn’t impact your credit score.

How It Works

The card combines two traditionally separate offers:

1. Balance Transfer – You can move existing credit card debt to MBNA and pay no interest during the promotional period. A typical transfer fee of 3% applies.
2. Purchase Promotion – You can make new purchases without paying interest for nearly two years, as long as you meet minimum payments.

Important: After the 0% period ends, the standard APR applies to any remaining balance.

When This Card Makes Sense

This card is ideal if you:

• Have existing debt you want to pay off faster without interest.
• Need to finance a planned purchase (e.g., home appliances, travel) and prefer to spread the cost.
• Want a single card to manage both existing debt and new spending.

Comparison Table — MBNA vs Competitors

Card	Balance Transfer Offer	Purchase Offer
MBNA Dual 0%	0% for up to 24 months (3% fee)	0% for up to 22 months
Barclaycard Platinum	0% for 22 months (2.99% fee)	0% for 20 months
Santander Everyday	0% for 21 months (no fee)	0% for 18 months

Value for Money

If you transfer £3,000 from another card, a 3% transfer fee means £90 in upfront cost.
With no interest for 24 months, you could pay £125 per month and clear the debt without paying a penny more in interest — saving potentially hundreds compared to keeping it on a high-APR card.

Potential Downsides

• Transfer Fee: Even at 3%, it’s a cost to factor in.
• Loss of Grace Period: Mixing purchases and transfers can mean new purchases accrue interest immediately after the 0% period unless the balance is cleared in full.
• High APR after Promotion: Not paying off the balance in time can result in significant interest charges.

Real-World Example

Sophie from Manchester transferred £2,500 from two different cards and also used the MBNA card to book a £1,200 holiday. She cleared the holiday cost in 12 months and spread the debt repayments over 24 months, paying only the initial transfer fee — saving over £480 in avoided interest.

Bottom Line

The MBNA Dual 0% Balance Transfer and Purchase Credit Card is a strong choice for UK consumers in 2025 who want flexibility, long interest-free periods, and the convenience of managing both old and new spending on one account.
Tip: Apply only if you have a clear repayment plan to maximise savings and avoid high post-promo interest.Continue to Page 2 for an in-depth usage guide, expert hacks to save even more, and alternative cards worth considering in 2025.