The National Trust MasterCard

Summary

By applying for and using the National Trust Credit card you’ll not only benefit from the great rates below but you can support the National Trust every time you shop by using the National Trust Credit Card for all your everyday purchases. By choosing to use the National Trust Credit Card for your everyday shopping, MBNA Europe Bank, the card issuer, will make contributions to the National Trust when you apply for and use the card for the first time and also every time you use the card at no extra cost to you.

£36 when you use your card within 90 days of the account opening
30p for every £100 you spend on card purchases
£2 for every year your account remains open and active

The representative APR is 16.9%APR variable.

New customers will receive an introductory balance transfer rate of 0% for 12 months.

This makes The National Trust MasterCard 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 The National Trust MasterCard

Balance transfer Purchases

Balance (£) Monthly payment (£)

Fixed payment

By switching to the The National Trust MasterCard, 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 (1)

"Guest's The National Trust MasterCard Review" Guest, 28th Jan 2011

I took this card out as I wanted to support British Heritage. I have been fairly happy so far, Im glad that my purchases can get rewards for a great organisation, but I did have a problem one month with my Direct debit, but they did sort the problem out quickly after just 1 phone call. I would recommend MBNA.

Rates & Charges

Introductory rates

Balance transfers

0% for 12 months 25 cards better than this

Balance transfer fee

3% or £3 minimum 87 cards better than this

Purchases

0% for 3 months 52 cards better than this

Ongoing rates

Typical APR

16.9% 34 cards better than this

Balance transfer rate

18.9% 87 cards better than this

Balance transfer fee

3% or £3 minimum

Balance transfer limit

98% or £50000 maximum

Cash advance rate

27.9%

Fees and Charges

Annual fee

£0

Cash advances

3% or £3 minimum 56 cards better than this

Foreign currency transactions

2% 31 cards better than this

Late payment fee

£12

Over limit fee

£12

Returned payment fee

£12

Insurance and Protection

Payment protection

Free payment protection

Free warranty cover

Free price protection insurance

Online fraud protection

Travel insurance

Lost luggage cover

Travel delay insurance

Travel insurance upgrade

Requirements to qualify

Minimum credit history

Good

Minimum age

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

Rewards Shopping Descriptions

Save £5 when you use your National Trust Credit Card to spend £25 or more in National Trust Shops. 0% on balance transfers for 12 months (3% handling fee). For this great rate your balance needs to be transferred within the first 90 days of your account opening. 0% on money transfers from your credit card to your current account for 12 months (4% handling fee). Remember for this great rate you need to transfer money within the first 90 days of your account opening. 0% on card purchases for 3 months from the date your account is opened.

Better deals on balance transfers