BT Credit Card

  • Save unlimited money on your BT bill1

  • Representative example: 16.9% p.a. (variable) on card purchases. This is equivalent to 16.9% APR† representative (variable) based on a credit limit of £1200.

Apply online and start saving

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  • 0% for 3 monthsfrom the date of account opening on any card purchases made during that time2

  • 0% for 13 months on balance transfersmade in the first 90 days from the date your account is opened
    (3% handling fee applies).2

  • 0% for 13 months on money transfersmade to your current account in the first 90 days from the date your account is opened (4% handling fee applies).2

  • No annual fees

  • Any questions?See our frequently asked questions

  • Save money on your BT bill1Automatically receive a discount of 1p from your BT bill for every £1.50 spent on the BT Credit Card.

How much could you save?

Just enter the amount you spend on your credit and debit cards and see how much you could save on your annual BT bill.

Simply type in your monthly spending on your current debit or credit cards and see how much you could save by using a BT Credit Card instead. For every £1.50 spent you get a penny back off your monthly or quarterly BT bill – with no upper limit. Just imagine what all those groceries, household items and clothes could add up to.

BT Credit Cards

Other benefits of the BT Credit Card

  • Now with contactless payment technology

  • Secure online payments*

  • Fraud protection*

  • Online card services, paperless statements

  • 24 hour customer service worldwide

  • Opt in for balance updates by text

Already have a BT Credit Card?

Choice of cards

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Green BT Credit Card

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Grey BT Credit Card

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Black BT Credit Card

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What you need

It only takes a few minutes to complete your credit card application online and you'll get an instant decision.3

  • Your address history for the last three years
  • Employment and salary details
  • Details of current borrowing (loans, credit cards, overdrafts)
  • Bank sort code and account number
  • Your BT phone number

Find out what makes your BT Credit Card application more likely to be accepted

 Apply now 

Your BT Credit Card application is more likely to be accepted if you:

  • Have a good credit history
  • Have no previous history of bankruptcy, County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 6 years
  • Have a history of managing credit commitments well, including credit cards, loans and mortgage
  • Have had a permanent UK address for 3 years or more
  • Are aged 21 or over
  • Are registered on the electoral register

 

† We treat each customer's application individually. We review the information you supply and verify your credit and repayment history so the APR we offer you may be higher or lower than the APR shown in the representative example. At least 51% of customers will receive this representative APR.

We are unable to tell you the interest rate you would receive personally as we do not provide quotation searches. If you proceed a full application search will be registered at the Credit Reference Agencies.

1. There is no limit to the amount of discount that can be earned through the Reward in any 12 month period. Applies to eligible credit card purchases. Reward of 1p for every full £1.50 spent in any one month. Discount applied to next available BT home telephone bill. BT billing address must be the same as the BT Credit Card billing address. Exclusions and conditions apply. See Terms & Conditions for details.

2. Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions. You cannot transfer balances between MBNA accounts.

3. Instant decision is only available Monday to Thursday 8am to 8pm and Friday 8am to 5pm. If you apply out of hours you should hear from us within 10 working days.

* You will not be liable for fraudulent transactions online or on the high street (including Contactless transactions), providing you tell us as soon as you notice any unusual transactions or you can't find your card.

The BT Credit Card is issued by MBNA Europe Bank Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA's consumer credit activities are licensed by the Office of Fair Trading and MBNA's general insurance activities are authorised and regulated by the Financial Services Authority.

British Telecommunications PLC trading as BT is acting as a credit intermediary. Registered Office: 81 Newgate Street, London EC1A 7AJ. Registered in England and Wales number 1800000. It only offers credit cards provided by MBNA Europe Bank Limited.

Credit is available, subject to status, only to UK residents aged 18 or over. We will monitor or record some phone calls.

BT is a trademark of British Telecommunications plc and is used under licence. British Telecommunications plc and MBNA Europe Bank Limited are independent legal entities and are not partners. Neither British Telecommunications plc nor MBNA Europe Bank Limited are entitled to enter into contracts, make binding commitments or representations on behalf of the other.

Terms & Conditions