What Is MBNA Smart Rewards? (And Why You Might Care…)

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Many readers who have been collecting airline points and miles for more than a few years are likely to have an MBNA credit card (or 6). This is because, ‘back in the day’, MBNA used to issue a range of different travel-related cards in the UK for airlines like American Airlines and United Airlines. They provided a useful way of diversifying your points/miles stash, and frequently had decent sign up bonuses too.

In 2018, MBNA stopped offering the airline cards, and instead switched existing customers over to a free card offering 0.5% cashback and no foreign exchange fees. That’s a very solid deal for a Visa with no annual fee, so I kept my account open. I’m sure others did likewise.

MBNA Smart Rewards

Recently, MBNA introduced a new feature – Smart Rewards. The aim seems to be to emulate the success American Express has had with its Amex Offers. (i.e offering a range of discounts at various retailers/travel businesses/etc to cardholders).

When you log into your MBNA account, you should see a little ‘Smart Rewards’ tab on the left that you can click on to see your offers.

You can then take a look at the offers and register for the ones that interest you. Note that you do need to check each offer and click on “activate” in order to benefit:

I don’t use my MBNA cards much (I usually prefer to earn Amex Membership Rewards Points), which might explain why I only have one Smart Rewards offer so far:

Hopefully something more useful will be added on there soon…

Bottom line

If MBNA manages to create something similar to what Amex has done with its offers, that would be a fantastic new benefit – particularly on a free card. For context, I currently have ~40 offers on my Amex Gold and save £100s every year on purchases I would have made regardless.

Have you got more interesting offers on your MBNA Smart Rewards account yet?


  1. Brendan says

    The offers are exactly the same as those on my Halifax current account. And they generally aren’t that great, so don’t get your hopes up!

    • Joe Deeney says

      Cheers Brendan! – a Hilton one later this year wouldn’t be bad. Although, I suppose if they top out at 15%, Amex likely to have something better.

  2. Winnie says

    My MBNA start rewards offer has been pants since I’eve noticed it though. With the lockdown it’s not possible to use most of those (note I’ve not used any of these companies / brands with this MBNA card ever)

  3. Andrew M says

    Noting for me so far, probably because I don’t use the card for many actual purchases. I might put a few things on the card and see what happens. COOP would be good for paying council tax.

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