Do you want to give back to someone or something? If you are a charitable person then you might find the Irish MBNA Concern Credit Card is something for you. This card offers you the ability to pay to a charity and help out those that are less fortunate than you are.
Concern is an actual charity that MBNA will donate to. Here is how it works. You will take out the card and immediately for taking out the card MBNA will make a donation to Concern. As you make purchases with the card MBNA will continue to make contributions. They have a payment structure designed to offer these contributions, though small for each card, that helps the charity. When a bank like MBNA has a million of the Concern cards out there the charity is making a great deal of money. So if this sounds like you, you might want to continue reading. There are more benefits than just helping out someone else.
While you are helping out your charity you could be helping yourself. There is an introductory rate on balance transfers of 1.9 percent APR. This rate is offered for 6 months from when the account is opened. If you want to first use the card to help you get out of debt this is a good option to have. You will be able to pay off the debt you have without accruing a lot of interest while you are paying it off. Sure there may be better offers in the UK with zero percent for 12 months, but they don’t always donate to a charity.
The card has a 16.9 percent APR on card purchases and all other balance transfers. This is a standard rate that is average for the cards on the market. While it is not the best, it doesn’t have to detract from the charity donations that you are making at no cost to yourself. By paying the purchase balance on time and in full every month you will not be charged interest. That’s a pretty great deal.
This card also offers free travel accident insurance. They also have fraud protection and online account management. With these options and the standard terms and conditions there is nothing to truly detract from the cards main purpose. For every purchase you make a percentage will go to the charity. This can be purchases for paying utility bills, your mortgage, or just groceries. It doesn’t have to be a lot of purchases to make a small difference in someone else’s life. The charity in this case is Concern, so if you have another charity you are interested in this may not be the best. Then again you could just support a couple of charities.
The truth is the card has been making a difference, and you could be a part of something great. You could also just make a donation to the charity on your own. It is up to you, but if you want to make a donation without having to think about it, this is the card to do so.