MBNA is now saving the top spot in its front page for American Express card. With a recent Supreme Court decision that removes the restriction from Visa and MasterCard, MBNA became "the first and the only U.S. financial institution to issue American Express-branded credit cards."
- No Annual Fee
- Reward is based on MBNA's WorldPoints network:
- Get 2,500 bonus WorldPointsSM after making your first purchase with the card
- Double WorldPointsSM on dining and travel until January 1, 2006
- Earn 1 point for every purchase dollar you spend with your card
- Redeem for cash, air travel, hotel stays, or car rentals in the U.S., and brand-name merchandise
- Annual APR at 10.15%
- At least 25 days of grace period
Frankly speaking, I don't find the reward enticing at all. As American Express is charging merchants a higher transaction fee than Visa and MasterCard, one should expect a better reward system than the current system that is even a bit worse than 1% cashback (see "How MBNA Takes Away Your Benefits, Gradually" -- one needs to accumulate 25,000 points before getting a 1% cashback). A rational consumer should look elsewhere: the straight 1%-cashback MBNA CashBack Card with additional 10% cashback opportunities at the start, or the up-to-5%-cashback Blue Cash from American Express are much better deals.
Free Credit Reports Are On The Way(November 23, 2004)
Another week and some of us will be able to get our free credit reports from all three major credit reporting agencies. As announced by FTC back in June, residents of western states (Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah ... Read
Kmart Rewards(November 10, 2004)
CardWeb brought out the news that Kmart has launched a new store credit card with reward features. This red card gives you $10 back on your first day's purchase that exceeds $50, plus $10 back every time your purchases add up to $250. This amounts ... Read
How MBNA Takes Away Your Benefits, Gradually(November 04, 2004)
From time to time, credit card issuers can take away benefits promised at the time of your application, or change the terms of credit card, often in a discreet manner. If you receive some notices from your bank, don't throw it away. It is often ... Read
The Radical Guide to Credit Cards(October 17, 2004)
David Jackson and I share a common belief that a smart person can play the credit card game right and take advantage of credit card companies. In his TechUncovered site, David published The Radical Guide to Credit Cards, a thorough summary of how the credit ... Read
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