The rate for making purchases with the credit card is 16.9% per annum (variable).
You are more likely to be accepted for a credit card if you are over 23, have a clean credit history, and are earning over £15,000 a year.
Apply for an AA Transfer Plus Credit Card
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive credit card partner.
* So long as you keep to the terms of the account
APR stands for annual percentage rate.
The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.
The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.
Money transfers allow you to transfer money into your current account. This can be useful when spending on something that you don't want to use a credit card for, like paying a tradesperson, buying a used car or paying off a loan. Here's how it works:
Step 1
Check your credit limit. Credit limits can be found on the letter that comes with your card or on your credit card statements.
Step 2
Transfer money into your bank account, either using the Online Servicing facility or by calling us. You can also request a money transfer when applying for the credit card and we will transfer the money after you've been accepted.
Step 3
It will take three to five working days for the money to be transferred into your bank account.
Balance transfers allow you to move existing credit card and store card balances onto one card and manage just one monthly payment.You can do this using either the Online Servicing facility or by calling us.
| The Transfer Plus credit card offers: | |
| You're paying a higher rate of interest on an existing credit or store card balance. | Balance transfers at 6.9% – so you can save money by paying less interest and you can pay back at your own pace. |
| You're paying a higher rate of interest on an existing overdraft or loan. | Money transfers at 6.9% – so you can transfer funds into your account and pay off an overdraft or loan. |
| You need funds to make large purchases on items like a used car, a holiday or home improvements. | Money transfers at 6.9% – so you can transfer funds into your account and pay back at your own pace, subject to making at least the minimum payment each month. |
| You need to borrow money but want more flexibility over your repayments | Money transfer at 6.9% – and there are no charges for overpayment or early repayment. |
Transfers must be done within the first 60 days of account opening. 2% fee applies.
Apply for an AA Transfer Plus Credit Card
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven't paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive credit card partner.
You will be charged a handling fee for money transfers. You can transfer money into your current account for any amount as long as you stay within your credit limit. Please remember to include handling fees, interest and insurance premiums (if applicable) when working out how much credit you have available. As a guide, you may be able to take advantage of up to 95% of the available credit limit on your account. Please see terms and conditions for details.
APR stands for annual percentage rate.
The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.
The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.
Apply for a Transfer Plus Credit Card
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive credit card partner.
1 The majority of our decisions are automated and provide an instant response. Therefore, if you apply online between the hours of 8am and 8pm Monday to Thursday, 8am and 5pm on Friday, you could get an instant decision. For all other applications, if we need any extra information to help us make a decision we’ll be in touch as soon as possible.
2 Contactless payment means you don't need to insert your card or enter your PIN, so the transaction is much quicker for purchases of £20 and under. Wherever you see the contactless symbol, just hold your credit card up to the reader and wait for the green light.
3 You must call us as soon as the card cannot be found or if you notice any unusual transactions on your account.
4 Any additional cardholder(s) must reside at the same primary address and have a relationship of close family member (defined as: spouse, child, parent, sibling or domestic partner).
APR stands for annual percentage rate.
The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.
The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.
Transfer Plus Credit Card
Representative example
16.9% pa
(variable)
on card purchases
Equivalent to:
16.9% APR
representative (variable)
Based on a credit limit of
£1,200
Credit limit will vary based on your individual circumstances
