RSPCA Visa Card
From MBNA
Summary
The RSPCA Visa is a charity credit card that lets you donate to the animal charity at no cost to yourself.
For each account opened, a one-off donation of £20 is made by issuers MBNA to the RSPCA, followed by further donations of 0.25% of everything you spend.
Although this figure may seem small, when you add up the amounts from all the spending of all the cardholders over the year, it provides a real benefit to the charity.
The representative APR is 16.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 12 months.
This makes RSPCA Visa Card a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
For each account opened, a one-off donation of £20 is made by issuers MBNA to the RSPCA, followed by further donations of 0.25% of everything you spend.
Although this figure may seem small, when you add up the amounts from all the spending of all the cardholders over the year, it provides a real benefit to the charity.
The representative APR is 16.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 12 months.
This makes RSPCA Visa Card a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
How long will it take to repay with the RSPCA Visa Card
Balance transfer
Purchases
Fixed payment
By switching to the RSPCA Visa Card, you could pay off £1000 in by budgeting £50 each month. This would effectively cost you £50.
Minimum payment
By comparison, if you only make the minimum payment each month, it would take 4 years and 10 months to repay, costing you a total of £1,426 on top of the original balance!
If this seems high, that's because your minimum payment is calculated as a percentage of your balance. This means each payment will be slightly lower than the month before which will have less effect on clearing your balance. So be smart and pay as much as you can afford!
Customer reviews (2)
"Good all-round card"
I love animals and just wanted to do something on a day to day basis to help. Also, when you pay for something people know your the caring type and i think treat you more fairly.
"Great great great :)"
The RSPCA Credit card not only helps a good cause, it also has an excellent customer service and good rates.
Rates & Charges
Introductory rates
Balance transfers
0% for 12 months 22 cards better than this
Balance transfer fee
3% or £3 minimum 80 cards better than this
Purchases
0% for 3 months 53 cards better than this
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
3% or £3 minimum
Balance transfer limit
98%
Cash advance rate
27.9%
Fees and Charges
Annual fee
£0
Cash advances
3% or £3 minimum 54 cards better than this
Foreign currency transactions
Late payment fee
£12
Over limit fee
£12
Returned payment fee
£12
Insurance and Protection
Payment protection
Payment protection
Free payment protection
Free warranty cover
Free price protection insurance
Online fraud protection
Online fraud protection
Travel insurance
Lost luggage cover
Travel delay insurance
Travel insurance upgrade
Requirements to qualify
Minimum credit history
Good
Minimum age
18
Minimum income
£4,000.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
50 days
Interest-free period on cash advances
None
Time to make payment after statement date
22 days
Minimum payment
1% of balance or £25
Payment by direct debit
Available
Rewards
Not available
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