Rewards MASTERCARD Consumer Reviews

I do not know if I should be thankful to them or not, you decide: My MBNA Rewards card seemed like a really good choice bringing me 1% cash dividends on most of my purchases. Of course I collected points, but I could then get a cash dividend at a rate of $25 per 25,000 points or something like that. Then I had a couple of transactions in 2017/18 that I disputed with them. One was an unauthorized hotel charge of $50, another was a dispute over wrong parts shipped by an auto parts company for which they refused to issue a refund total $75 to $100. They did nothing about these charges that made me upset. At about the same time they send me a new rewards agreement according to which I was going to be collecting "more points" on most items. Down the line they also mentioned that the rewards were redeemed at a different rate, now 50,000 points for $25 (or whatever it was). I immediately picked up a dividend card with another bank! My dividend rewards doubled! Not only that, in 2019 I rented a SUV from National. A rock hit my windshield and cracked it. The card insurance paid the whole thing! If it were my car, I was going to pay at least the $200 deductible on the $1,200 bill. MBNA, I wonder how you feel now that you've lost your fees on $50,000 worth of transactions on my card a year. The $50 you decided to keep on that hotel and the $75 on the parts will not make up for a single month, I am sure. The important thing, however, is that I am happy ;-)

I had a terrible experience with a representative who was snappy and rude. She kept repeating the same automated response instead of actually looking into the details of my concern. I cancelled my credit 4 months ago and thought I paid off my remaining balance since I never received a statement in the mail and my access to my online account was cancelled immediately after I cancelled. I told her I never received a statement but was happy to pay it right away, but she immediately started arguing that yes I had received the statement. This went in circles. Very unprofessional. She could have just explained that it looks like it was sent from her end and just apologized for me not receiving the statement. She indirectly made me feel like I was lying. Why would I lie, when I always pay my credit card bill on time and actually care about my credit score. Sure am glad I cancelled my credit card now.

Horrible. I only have this MBNA card because another credit card I had years ago has changed ownership so many times. Since switching to MBNA I’ve tried several times to create a login/password and login on the online banking and to no avail, it simply will not work. Even after doing it over the phone with a customer service agent. For this day and age, this is unacceptable. I will just continue to pay off this card and use my other one from another company with the same interest rate and away better app.

I did a dispute when a bartender added a $100 tip to my total bill. The bill was $75 and I requested the bartender total the bill to $100 leaving a $25 tip. MBNA said it was my fault for not having my reading glasses to be able to see the total - would not assist me whatsoever.

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.

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.