The BT Credit Card

Your application will be assessed, in confidence, by a Credit Specialist from our card issuer MBNA Europe Bank Limited.

You are about to begin your application for a
BT Credit Card.

First, please carefully consider the statements below in terms of your past credit history and any credit that you have currently. If any of them apply to you your application may be unsuccessful.

	•	You have any Country Court Judgements or defaults.


	•	You’ve been declared bankrupt.

	•	Your current loans (e.g. credit cards, personal loans, mortgages) are overdue or you have a history of missed repayments.

	•	The total amount you owe on loans (excluding mortgages) and on credit cards is more than you earn annually.

Below are the two options for how you can elect to receive the discount you'll earn from spending on your new credit card. Please make your choice and then your application will begin.

Money off your BT phone bill*:

Money off your BT Credit Card statement**:

*BT Credit Card Rewards are awarded as a discount on your applicable BT telephone bill at the rate of 1p for each £1 (but not part of) spent on retail purchases in any one month. In any twelve month period, the maximum BT Credit Card Reward that can be earned using a BT Credit Card account is £75.

**BT Credit Card Rewards are earned at the rate of 1p for every £1 you spend on card purchases with your BT Credit Card; they will be shown on your monthly BT Credit Card statement and awarded annually as a discount on your January BT Credit Card statement. The maximum discount you can earn is £75 each year (calculated from January to December). Exclusions and conditions apply.