You spoke, and we listened. We designed the new Elite RewardsSM Platinum PlusSM Visa® credit card to feature one of the most comprehensive rewards programs on the market. There has never been a better opportunity for you to go anywhere you want or get virtually anything you want with a credit card rewards program. Here are the facts: * No Annual Fee. No Program Fee. * Earn one point for every purchase dollar you spend with your new Elite RewardsSM Platinum PlusSM Visa® credit card.§ * Earn 500 Bonus Points after first use of the account.§§ * Earn Bonus Points for every dollar you spend at participating merchants.§§§ Here are the rewards: * Airline Rewardsâ??any airline, any seat, any timeSM. * Earn FREE car rentals at AVIS®. * Certificates to use at participating retailers and restaurants. Annual Fee None Annual Percentage Rate (APR) for purchases 12.99%. â? Other APRs Cash Advance APR is 12.99%. 1.7% Introductory APR for Balance Transfers and Credit Card Cash Advance Checks through your first six statement closing dates, or earlier if your payment is late; after that, 12.99%. See explanation below. Grace period for repayment of balances for Purchases At least 25 days, if each month, we receive payment in full of your New Balance Total by the Payment Due Date. Method of computing the balance for Purchases Average Daily Balance (including new transactions). Transaction fees for Cash Advances and fees for paying late or exceeding the credit limit Transaction fee for Bank and ATM cash advances; 3% of each cash advance (minimum $ 5). Transaction fee for credit card cash advance checks and balance transfers: 3% of each cash advance (minimum $ 5, maximum $ 40). Late-payment fee: $ 29. Over-the-credit-limit fee: $ 29. Transaction fee for Purchases Transaction fee for the purchase of wire transfers, person-to-person money transfers, money orders, bets, lottery tickets, and casino gaming chips: 3% of each such purchase (minimum $ 5). The Introductory APR is effective commencing the month after your account is opened and is not applicable to Bank and ATM Cash Advances. When your minimum monthly payment is late (i.e., not received by 2 p.m. on its Payment Due Date), or when the Introductory APR expires, the non-introductory APR will be applied to new and outstanding cash advance balances (consisting of Balance Transfer and Cash Advance Check transactions). Should your payment be late, the non-introductory APR will be applied to those balances as of the first day of the billing cycle in which the payment was late or never received. The non-introductory APR for Platinum Plus and Preferred accounts is not guaranteed and is subject to change. MBNA will allocate your payments to balances (including new transactions) with lower APRs before balances with higher APRs. The information contained in this advertisement was accurate as of 03/2002. The information may have changed after that date. To find out what may have changed you may contact MBNA America Bank, N.A., for specific information by calling 1-800-932-2775 or by writing to P.O. Box 15020, Wilmington, DE 19850. TTY users, please call 1-800-833-6262. CONDITIONS You must be at least 18 years of age to apply, and you must reside in the United States or Puerto Rico. § This is a partial description of the Elite RewardsSM Program ("Program"). Cash advances, purchases of cash equivalents, finance charges and unauthorized transactions do not earn points. Points may be exchanged for air tickets or for Certificates that may be redeemed for other rewards, including hotel accommodations and auto rentals. Participating merchants and individual locations are subject to change. Significant restrictions apply to air travel rewards, including 21-day advance booking, no layovers more than four hours are permitted. Saturday night stay is required. Tickets are non-refundable and non-exchangeable. Points expire 4 years from the end of the quarter in which they are earned. Certificates expiration dates vary by independent retailer. Points and Certificates have no cash value under any circumstances and may not be used to pay your credit card balance. Taxes are the responsibility of individual Program participants. The terms of the Program may be changed at any time. The Program is void where prohibited by law. Other restrictions apply. Complete program details are available on request and are also provided when account is opened. Maximum earnings: 7,500 points per month. The Elite Rewards Program Guide is provided within 60 days of opening of account. The Program (other than the credit card) is administered by Trilegiant Loyalty Solutions. Travel agency services provided by Cendant Travel, Inc. This program is available to Preferred card Customers. §§ Receive 500 Bonus points in addition to regular points earned when making an initial retail purchase transaction with this card. Bonus points count towards the monthly point limit. This promotion is limited to new Customers opening an account in response to this offer. THE REWARDS Airline Travel * 25,000 pts - Anywhere within your zone§§§§ * 30,000 pts - Anywhere within the Continental U.S. * 35,000 pts - From 48 contiguous states to Mexico, Caribbean, Canada * 40,000 pts - From 48 contiguous states to Hawaii or Alaska * 45,000 pts - From Hawaii/Alaska To Mexico, Caribbean, Canada * 50,000 pts - From 48 contiguous states to Europe * 60,000 pts - From 50 states to Central/South America * 75,000 pts - From Hawaii/Alaska to Europe * 75,000 pts - From 50 states to South Pacific/Asia * 80,000 pts - From 50 states to Africa/Middle East * 85,000 pts - From 50 states to Australia/New Zealand * 150,000 pts - Ticket to anywhere around the world from the U.S.! §§§§Travel must be wholly within Zone 1 or within Zone 2 or within Zone 3. Crossover to another zone is not permitted. ZONE 1 - (Western U.S.) AZ, CA, CO, ID, MT, ND, NM, NV, OR, SD, UT, WA, WY ZONE 2 - (Middle U.S.) AL, AR, IA, IL, IN, KS, KY, LA, MI, MN, MO, MS, NE, OH, OK, TX, WI ZONE 3 - (Eastern U.S.) CT, DE, FL, GA, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, TN, VA, VT, WV REMEMBER! First class tickets also available. Hotel Stays * 5,000 pts - One night at Ramada®, Days Inn®, Villager®, Howard Johnson®, Wingate Inn®, Travelodge®, and Knights Inn® REMEMBER! You earn double points when you use your Elite Rewards credit card at these participating merchants. Retail and Dining Rewards * 2,500 pts - $25 Gift Certificate * 3,000 pts - $30 Gift Certificate * 5,000 pts - $50 Gift Certificate §§§Earn Bonus Rewards at These Earning Partners Automallonline.com® Avis® beoutdoors.com Days Inn® EarthLinkâ?¢ ebags.com® Esoteric Sports Tours® The Flower Club® Fragrancenet.com® Howard Johnson® Knights Inn® Omaha Steaks® Ramada® sharperimage.com® Travelodge® Villager® WatchZone.com® Wingate Inn® Car Rental * 5,000 pts - 1 Day Avis® Car Rental *The total value of transfer requests cannot exceed your credit line. MBNA will send either full or partial payment to your creditors in the order you list them. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Transfers are processed as cash advances as described in the Credit Card Agreement. Cash advances incur finance charges from the transaction date. If your available credit cannot accommodate any transaction, fee and/or finance charge, the account will be subject to over-the-credit-limit costs. Balance transfers and/or cash advances may not be used to pay off or pay down any MBNA account. **Certain restrictions apply to these and other benefits as described in the benefits brochures sent soon after your account is opened. If your application is approved for a credit line of less than $5,000, you will receive a Preferred card. Preferred card benefits differ from Platinum Plus benefits. Elite Rewards is a service mark of Cendant Publishing, Inc. Other company, product and service names may be trademarks or service marks of their respective owners. MBNA America, MBNA, MBNA.com, MBNA Net Access and Platinum Plus are service marks of MBNA America Bank, N.A. Visa is a federally registered service mark of Visa U.S.A. Inc., and is used by MBNA pursuant to license. MBNA America Bank, N.A., is the issuer and administrator of this credit card program. ©2002 MBNA America Bank, N.A., Member FDIC Here is the link:- https://www.applyonlinenow.com/USapp/Ctl/redirect?CV_sourceCode=M4B4&CV_MC=A0000000T6 Ron.
Thanks for the link, Ron. This card seems very similar to the Quantum Select Rewards card with the exception of bonus points and certain rewards, but I was just wondering if the points expire ? I think the Quantum rewards points expire after 5 years.
Wait, 500 bonus points just for opening? I should convert my Quantum to this card, or at least complain about not getting 500 bonus Quantum points.
Just looked at the terms in detail this time and it looks like the points do expire after 4 years. It's still a very good card though. We should be getting bonus points from our Quantum Rewards cards!
Re: MBNA Elite Rewards Platinum Vis I wanted to convert my Quantum Select Rewards or Barnes& Nobles Mastercard into this card. MBNA Elite Rewards got almost the same terms as the Quantum Rewards. I don't know whether they can conver tMastercard into visa because both of my cards are Mastercard. Ron.
Re: MBNA Elite Rewards Platinum Vis You can convert any MBNA Platinum Plus Mastercard or Visa into Elite Rewards Platinum Plus Visa without applying. I just converted my Barne & Nobles Platinum Plus Mastercard into MBNA Elite Rewards Platinum Plus Visa. I called their closed and transfer accoutn department number to convert my account and their number is 800-852-4139. Ron.
Re: MBNA Elite Rewards Platinum Vis I wonder if it's possible to use some of the credit line from my Quantum card, like 10K, to open up an Elite Rewards account ? Does anyone know if MBNA does this ? It's like breaking up one account into two (opposite of combining two accounts). I really want to keep my Quantum card for the history and special benefits (concierge service, card registry, etc.), but I'm also thinking about getting the Elite card as well.
Re: MBNA Elite Rewards Platinum Vis Steve, Everytime they converted my account into new type of account and they always keep the account history such as opening date. They just report new account number to CRA and they didn't report that your old account was being closed like other creditors. Last time they converted my other account and they didn't pull any credit report. I haven't try to split my Quantum Card credit line to open the new account. You can ask them whether they can do it or not. Ron.
Re: MBNA Elite Rewards Platinum Vis Pat, They pulled credit report for my Barnes & Nobles Platinum Plus fromTransUnion. If you currently have any MBNA Visa/MC or LOC(?), they just convert into Elite Rewards Platinum Visa. They don't pull any credit report for converting account. Ron.
Re: MBNA Elite Rewards Platinum Vis Pat, I think the CreditNet consensus that I could gather over the past two months was that they pulled: Experian only - for a line of credit application Experian AND Trans Union - for a MC aaplication (i.e. Platinum Plus)
Re: MBNA Elite Rewards Platinum Vis Thanks Ron. I checked Millcbs, and they have 34 listings for MBNA, 24 pulls for EX and 10 for TU. These are my best reports and I've been looking for a good rewards card. I think I'll give it a try. [edit] And thanks Marci I've been avoiding getting any new cards while trying to get EQ cleaned up. But I also haven't seen anything I really wanted. This one might do the trick.
Re: MBNA Elite Rewards Platinum Vis I'm filling out the online app right now. I'll let you know in a couple minutes.
Re: MBNA Elite Rewards Platinum Vis The website doesn't say instant approval does it? Do you know if they pull TU?
Re: MBNA Elite Rewards Platinum Vis Apparently no instant approval? Or not approved? I got the: Thank you for your request. We will respond to you within 30 days by U.S. Mail at: My name and address Your submission of this application indicates your agreement with each of the conditions and disclosures for this credit card account.
Re: MBNA Elite Rewards Platinum Vis I just called the #, they said there's no instant approval. Also, when asked which CR they pull, they said it's random--but most of the time experian.
Re: MBNA Elite Rewards Platinum Vis From what Marci and Ron said it will either be EX or TU or BOTH.... (I'm hoping any of the above except EQ)
Re: MBNA Elite Rewards Platinum Vis Pat, MBNA didn't have any instant approval for their Visa/MC. Last year, I applied for Barnes & Noble Platinum Plus Mastercard. After applying,the system response I will get a response from the mail within 30 days. After a week, I called them to check the status of the application. They told me I was approved. Only thing they denied me for Quantum Mastercard because insufficient income. They usually approved you without any negative or past due accounts on your report. Looking forward to hear good news from you. Ron.
Re: MBNA Elite Rewards Platinum Vis Pat, I have been applied for their cards and LOC for many times and they haven't pulled any credit report from EQ. They just reported your account history to EQ. Ron.
