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Debt Recovery Credit Cards | 771 Views

American Express Essential Credit Card

    Enjoy a standard annual interest rate (AIR) of 9.99% on purchases and balance transfers and a 24.99% standard AIR on cash advances

    No annual fee

    Around-the-clock-fraud protection

    Immediate cash access at over 1 million ATMs worldwide

    Online cardholder account access

    24-hour customer service
    Rental Vehicle Collision Damage Waiver (CDW) Benefits

    Purchase Assurance- Covers eligible items purchased with your MBNA credit card for the first 90 days from the date of purchase

    Extended Warranty Benefits- Doubles eligible warranties for up to one additional year on eligible purchases made with your MBNA credit card

    Along with some other travel services – Lost Document and Ticket Replacement, Lost Luggage Assistance, Legal Referral Assistance

Apply now
at American Express’s secure site
Annual Fee
Purchase Rate
Up to 55 Interest-free days
Balance Transfer
1.99% interest in first 6 months
Cash Advance
Credit Required
Apply now
at American Express’s secure site

Card Features

  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee


  • 5,000 bouns points offer
  • No annual fee rewards card


  • Not a low rate card

      Interest Rates

  • APR: 19.99%
  • Balance Transfer APR: 21.99%
  • Cash Advance APR: 24.99%

Bonus Offer

Receive 5,000 bonus MBNA Rewards points after your first eligible purchase


Introductory Rates

0% on balance transfers for the first 6 months

     Annual Fee

  • $0

Reward Earnings Rate

1 point per $1 spent

Additional Details

Grace Period: 21 Days


Balance Transfer Fee: 1% of amount advanced (minimum fee $7.50)

Cash Advance Fee: 1% of amount advanced (minimum fee $7.50)

Foreign Transaction Fee: 2.5%

Over Credit Limit Fee: $25.00 per Statement Period

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