Which Mastercard credit card as an alternative to using an MBNA VIsa card?

Si_Clist

We have a good credit record, and we always pay off the balance on our MBNA Visa credit card each month.  Mainly because we're paranoid about the risk of the Visa system going down, I would like to get for an alternative a Mastercard credit card provided by firm which has no connection to MBNA.

All I need is a rock solid (or as good as I'll get nowadays) provider which has no connection whatsoever to MBNA, a customer-friendly Android app to  manage my account with, and no monthly fee to pay.  I'm not interested in the Amazon/NewDay one, but apart from that, I'm open to all suggestions

cx6

I have always liked the John Lewis Partnership card

WillPS

If you have a Natwest or RBS Reward current account then I'd recommend their Reward Mastercard. 1% back at supermarkets (which is a wide definition including many convenience stores) and 0.25% back everywhere else.

If not, Barclaycard Avios Mastercard might suit - 1 Avios per £ spent which works out at 0.8p worth of Nectar points when used at face value at Sainsburys, Argos or Ebay.

MBNA is part of Lloyds Banking Group, which means the Halifax and Lloyds Cashback Mastercards (which I'd normally point to) are out of scope.

Si_Clist

WillPS said:

Barclaycard Avios Mastercard might suit - 1 Avios per £ spent which works out at 0.8p worth of Nectar points when used at face value at Sainsburys, Argos or Ebay.

MBNA is part of Lloyds Banking Group, which means the Halifax and Lloyds Cashback Mastercards (which I'd normally point to) are out of scope.

Our current account's with Nationwide at present, but with the way things are going in the world nowadays I want to end up with no connection at all between current account (Nationwide), Visa credit card (MBNA) and a new Mastercard credit card.  I'll have another look at the Barclaycard site, but when I had a quick squint at it earlier I found it really confusing given that I don't want to transfer a balance to it: all I want is a modest line of credit (e.g. £1K) available on a Mastercard which we could use if necessary and pay off by the due date each month.

[Deleted User]

'Si_Clist said:

WillPS said:

Barclaycard Avios Mastercard might suit - 1 Avios per £ spent which works out at 0.8p worth of Nectar points when used at face value at Sainsburys, Argos or Ebay.

MBNA is part of Lloyds Banking Group, which means the Halifax and Lloyds Cashback Mastercards (which I'd normally point to) are out of scope.

I'll have another look at the Barclaycard site, but when I had a quick squint at it earlier I found it really confusing given that I don't want to transfer a balance to it: 

You don't need to transfer a balance. The card is just like any other.

born_again

And in other news MASTERCARD system goes down....


https://www.republicworld.com/technology-news/other-tech-news/mastercard-not-working-across-uk-hundreds-unable-to-use-credit-debit-cards-articleshow.html

But it is always wise to have more than one card, at least from different card co's & also different banks. As well as a pocket full of cash👍Just incase.

WillPS

Si_Clist said:

WillPS said:

Barclaycard Avios Mastercard might suit - 1 Avios per £ spent which works out at 0.8p worth of Nectar points when used at face value at Sainsburys, Argos or Ebay.

MBNA is part of Lloyds Banking Group, which means the Halifax and Lloyds Cashback Mastercards (which I'd normally point to) are out of scope.

Our current account's with Nationwide at present, but with the way things are going in the world nowadays I want to end up with no connection at all between current account (Nationwide), Visa credit card (MBNA) and a new Mastercard credit card.  I'll have another look at the Barclaycard site, but when I had a quick squint at it earlier I found it really confusing given that I don't want to transfer a balance to it: all I want is a modest line of credit (e.g. £1K) available on a Mastercard which we could use if necessary and pay off by the due date each month.

The only personal Mastercards they offer are the Avios ones, so skip everything to do with their Balance Transfer products (which are all Visa).

https://www.barclaycard.co.uk/personal/credit-cards/avios

[Deleted User]

What features does your MBNA card have? Is it a horizon branded one? 

Si_Clist

Deleted_User said:

What features does your MBNA card have? Is it a horizon branded one? 

Why do you ask?

Marchitiello

Si_Clist said:

Deleted_User said:

What features does your MBNA card have? Is it a horizon branded one? 

Why do you ask?

I would have asked the same as with the Horizon one (given as a substitution for the old MBNA Co-branded Travel Cards (e.g. Emirates,AA, etc.)) you get cashback and foreign currency fee free transactions, albeit at Visa exchange rates. An alternative to that card would be a similar product on the MasterCard network, which used to be the Santander Zero (not currently open to ne application)… however, right now (and I am currently in USA using it extensively), a better alternative is the Chase UK MasterCard Debit Card, as you get 1% cashback on most transactions. 

WillPS

Marchitiello said:

Si_Clist said:

Deleted_User said:

What features does your MBNA card have? Is it a horizon branded one? 

Why do you ask?

I would have asked the same as with the Horizon one (given as a substitution for the old MBNA Co-branded Travel Cards (e.g. Emirates,AA, etc.)) you get cashback and foreign currency fee free transactions, albeit at Visa exchange rates. An alternative to that card would be a similar product on the MasterCard network, which used to be the Santander Zero (not currently open to ne application)… however, right now (and I am currently in USA using it extensively), a better alternative is the Chase UK MasterCard Debit Card, as you get 1% cashback on most transactions. 

Arguably if the OP already has those features on a VISA they don't need to worry about it so much on a Mastercard (which they want primarily as a backup).