BT Credit Card
Every time you spend on your BT Credit Card you will earn money off your BT bill. 0% on balance transfers for 12 months from the date your account is opened (3% handling fee applies), 0% on card purchases for 3 months. 16.9% APR typical rate (variable) .
 |  Compare BT Credit Card details directly with other credit cards or compare credit cards using our credit card comparison tables. | ||
| Company: | BT www.bt.com  | ||
| Product: | Credit Card | ||
| Apply via this site: |  | ||
| Card Details | |||
 Card Issuer: | The card is issued by MBNA. | ||
| Application Criteria | |||
| Min Age (yrs): | Minimum age for applicants is 18 years. | ||
| Min Income (£pa): | There is no minimum income required. | ||
| Introductory Rates | |||
| Intro Bal Tran Rate AER: | The introductory balance transfer rate is 0% | ||
| Intro BalanceTfr Fee (%): | Cardholders may be charged a 3.00% handling fee (minimum of £3.00, no maximum) for transferring a balance, see terms and conditions for details. | ||
| Max Bal Transfer Fee (£): | Unlimited | ||
| Intro Purchase Rate AER: | The introductory rates for purchases is 0%. | ||
| Rates | |||
| APR - Purchases: | The typical purchase APR is 16.9%. | ||
| Balance Transfer AER: | The annual rate for balance transfers is 16.9%. | ||
| Balance Transfer Fee (%): | Cardholders may be charged a 3.00% handling fee (minimum of £3.00, no maximum) for transferring a balance, see terms and conditions for details. | ||
| Cash Advance AER: | The annual interest rate for cash advances is 27.9%. | ||
| Benefits | |||
| Cash-Back Reward: | A cashback reward scheme is not available. | ||
| Air Miles: | No travel reward programme. | ||
| Other Incentives: | Every time you use your BT Credit Card you'll get money off your BT bill Your BT Credit Card is linked directly to your BT bill. This means you automatically get money off your BT phone bill whenever you spend money on your BT Credit Card. Not only that, but just for being a BT Credit Cardholder, you'll also enjoy BT Credit Card Exclusives, special offers on products and services from BT's selected partners. There are no points to collect before reaping the rewards. Maximum discount in any 12 month period is £75 (an average of £18.75 per quarter) Example: TOTAL MONTHLY SPEND QUARTERLY DISCOUNT ON YOUR BILL £200 £3.00 £300 £5.25 £500 £11.25 | ||
| Shopping Reward Prog: | BT Credit Card Exclusives, special offers on products and services from BT's selected partners. | ||
| Fees & Charges | |||
| Annual Fee (£): | Annual fee of £0.00 | ||
| International Charges %: | If a transaction is made in a currency other than sterling, MBNA will change the amount into sterling at the time the transaction is posted to the account. The exchange rate used will be the wholesale market rate or government mandated rate. MBNA will charge commission of 2.99% of the value of each foreign-currency transaction. The exchange rate shown on the statement will include this commission. | ||
| Interest Charged from: | Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): MBNA 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. Interest is worked out each day so the earlier you make payment, the less interest you will have to pay. | ||
| Interest Free Period: | Up to 56 days interest free credit on purchases only. | ||
| Min Payment £: | The minimum monthly repayment will be the lesser of 3.00% of your balance (minimum £25) or charges for Payment Protection Cover plus interest and fees plus £25 or the balance, if this is less than £25 . | ||
| Compare | |||
| Products: | www.bt.com Credit Cards | ||
