Rewards MASTERCARD Consumer Reviews

Customer service will time and time again put you on hold for 10-15 minutes at a time, fix nothing and ask useless questions, then go back to putting you on hold again.

I paid my entire balance and MBNA charged me 5 dollars out of nowhere nearly a month later. I found out like 7 months after that I have a balance of 5 dollars on my credit card. My credit score was ruined as a result. I called them and explained to them that I had paid all the amount I owed and that they can't take interest on 0 dollar balance, but they said that they have the right to take interest on 0 dollar balance anytime they want. The customer service representative refused to help me...

I've had the worst experience with MBNA. First of all the wait time to speak with a representative is so long. When you do get in contact with a representative the information provided differs from one rep to another. If you carry a balance of any kind they will freeze access to the card until paid in full. I was cut off from the card due to a balance carry and then denied the ability to keep using the card after the fact due to a change in payment date due. This late payment led to interest being charged. I paid the bill in full and then was charged interest on a zero balance, despite the fact that the payment in full was received weeks before the payment due date. They told me that I was still paying for interest...What?
I will NEVER bank with MBNA and I highly recommend staying away from this company at all cost.

They don't tell you that you don't get cash back for purchases at Costco, insurance, utilities, etc. They don't even give you the cash back!!! They are liars and cheaters and I have decades of regret for using this card. I could have tons of air miles or value elsewhere. Why they are allowed to dupe consumers like this? Stay away!

Full disclosure, I am no longer a customer of this credit card company and haven't been for a long time, but I am still affected by the issues I had with them years later. I had two credit cards with MBNA and with both products, I experienced absolutely HORRIBLE service. I had auto-payment set up to pay the minimum balance automatically to ensure I never had a late payment if I were to miss paying the balance in full, but somehow frequently had issues with the company receiving or logging my auto payments to the point where it would be considered 'late'. The whole point of setting up auto-payments was that I wouldn't have to worry about paying the card as it should be done automatically, but the funds would be pulled out of my bank account and it would take more than A MONTH for MBNA to log it against the card. I would call and try to sort it out every month and only after I terminated my relationship with the company, found out they had been logging it as 'Missed Payment' all this time, which affected my rating for a long time. When I had enough and began to attempt to terminate my cards out of frustration, there were MONTHS of residual balances owed. Cents, that would not show up on statements or online or even when I called to speak with their agents. This made it impossible to settle my account and would again show up as 'late' in the future. I ended up over-paying (I just paid $10) into the account and kept calling in for months after to keep checking and finally closed the account, with extra credit on the account. Again, years later in my credit file, I found out that for BOTH credit cards, the company closed the credit cards under 'Closed by credit grantor' and 'Due to delinquency', which is NOT true at all! I initiated both closures quite PAINFULLY and gave them extra money to do it. For background, I WORK in finance for a living, I graduated with a double major in Mechanical Engineering and Business Management (finance specialty), and have a professional project management designation. I manage assets and am VERY familiar with the numbers world. Leaving MBNA, my credit rating has recovered and fortunately back to an Excellent score (780+). It is ironic that some of my credit cards are with TD now and I have nothing but praise for them, but my horrible experience still existed after TD's acquisition of MBNA. To summarize, I would highly recommend anybody considering an MBNA card to look elsewhere. Borrowing from your corner loan shark would be a more logical option for your future. I'm kidding, of course--we all know loan sharks don't work on corners. In all seriousness, do not go with MBNA. I was triggered to write this review when a random ad showed up on my screen.

Just had the worst Customer service experience ever. I went to make a purchase which was declined, which usually means my credit card has been compromised. I tried to log in to my account and it was denied, so I phoned and got my transaction record which indicated that there were several transactions that totalled over $4000 that I had not made. When I was finally connected to a "human", it was from the billing department because we had not paid our last bill which might have happened twice in the 15 years we have had the card. I told him of the invalid charges but he was only concerned that the last bill had not been paid and would only forward me to the fraud department if I promised to pay the minimum payment of $30ish dollars. I hung up and phoned back to try and report fraud again only to be connected to the billing department again. I will be cancelling my card.

I waited on the phone for 20 minutes to talk to someone, and then I finally got through to a representative named Kassey who's system crashed while on the phone with me so her solution was for me to call back and wait another 20 minutes as she stated that she nor anyone else would call me (a paying customer) back. She would not pass me over to a manager or anyone else. I have been with this credit card company for over 15 years and will most likely take my business somewhere else.