There are two cards within the Ryanair.com offer from MBNA. You have the gold card or the standard card. We are first going to look at the standard Ryanair.com card then we will discuss the difference between the two.
First of all the Ryanair.com visa card offers you a welcome bonus flight when you obtain the card. You just need to use the card within the first 90 days of opening the account for a purchase. The purchase typically needs to be a certain amount, but then you get a flight to one of the top European destinations. This offer of free flights will not end either. With this card you are earning points towards another free flight when you use the card. When you earn five return flights you will get a sixth bonus flight. There are also options of savings with the hotels you book through Ryanair.com.
Among other special items are the 10 percent off on activitybreaks.com. When you book through that website you get a 10 percent discount.
The interest rate on this card is 16.9 percent APR which is average for the cards on the market at the moment. There is a balance transfer deal with the card in which you get 1.9 percent APR for the first six months on any balance transfer that you make.
There is no annual fee for the card either. This is a great deal, but there is the government tax that you must pay yearly. There is free fraud protection and 24 hour customer support.
When you pay your card off every month in full and on time you will receive a period of interest free on purchases. This is a standard deal on most MBNA cards.
The main difference between this card and the Gold card from Ryanair.com and MBNA is the annual percentage rate. With the Gold card you have a rate of 14.9 percent that can be offered to you. There are specific terms and conditions to get this rate, such as having a long credit history that is in good standing, having the credit scores, and the income will also be factors.
Another difference is when you spend over 2000 Euros on the card in a calendar quarter you will earn one bonus flight. For 5,000 Euros you will earn two bonus flights. This makes it easier for you to fly with the gold card.
The thing about these cards is that you do have to spend a lot to get the return flights. If you have the financial backing to do so or will use it to pay bills, then this card can really work for you whether it is the gold or standard version. To make it work the best for you, you would need to pay off the balance in full and on time every month. This would avoid the interest payments you would normally make. This card or cards are not for everyone. There are specific ways to make it work for you and not the bank.