Nurses are very important to the world. They help us when we are sick and are just there to provide care in any capacity really. If you are hoping for a card that can pay the nurses back for their care then this is the one for you. The MBNA Irish Nurses credit card offers a donation to the INO or Irish Nurses Organisation to help them with their jobs. The great thing about this card is that the donation is no cost to you. By opening the account you will be sending a donation at MBNA’s expense to the organisation. They will also keep the contributions going as long as you make a purchase on the card. Every time you use the card MBNA must donate a percentage of that amount.
The purchase rate is 14.9 percent. This is a little below average for most cards. So the rate is decent. The added benefit is if you pay the card off in full every month and on time you don’t get charged the interest. So say you are using the card to pay your utility bill every month, which is 100 Euros. If you pay that off before the account comes due or even in that same 30 day period you aren’t going to pay interest. That really means the card has no cost for you to donate. The other thing is that if you are being charged interest on the card that is no different than a flight miles card or regular credit card. The benefit comes in the donation MBNA makes.
There is a balance transfer option of 1.9 percent interest for six months from the date that account is opened. This is a fairly standard rate among MBNA. There are cards offering zero percent for 12 months, but those are balance transfer cards usually without any rewards or perks. This makes another good benefit for the card.
You have free travel accident insurance of up to 127,000 Euros, security against fraud, and no annual fee. While this is again pretty standard the free insurance is a perk through MBNA.
The fact is credit cards are very similar in their benefits, and terms and conditions. This won’t change because it is a competitive industry. The only thing you can do is look at reviews like this one to see where the subtle differences lie. In this particular case you get free travel insurance as well as helping out the Irish Nurses Organisation. Since nurses are very important to most of us donating without a cost to you could be what makes you choose the card.
The annual percentage rate is also fairly decent. While there are other cards with a lower amount you usually have to fit the high standard of qualifications. MBNA does reserve the right to offer you a rate they feel appropriate for your risk, and that again is no different than other cards. A specific card like this is not for everyone, but it could be for you.