BT Credit Card Reviewed

On this page, we take a look at how to knock money off your home phone and broadband bill, just by using a BT Credit Card.

This is a handy little money-saver... If you use a credit card (and who doesn't?), make sure you're rewarded! BT has partnered with MBNA to bring you the BT Credit Card, a Visa card that rewards your loyalty.

BT Credit Card No Longer Available.

Cistomers were notified in August 2012 that the BT Credit Card was set to close. Here is the announcement:

"BT and MBNA have always worked together to bring you the BT Credit Card and we have now mutually agreed to close this programme on 10 November 2012."

This page has been left here to help former customers of the BT Credit Card


BT Credit Card Benefits

BT Credit CardSo, why might you want one of these bits of plastic? Here are the headlines:

  • Money off your home phone and Broadband bill each year.
  • There's no annual fee for the BT Credit Card.

If you get your phone or Internet service from BT, get a BT Credit Card and reduce your BT home phone and broadband bill just by using your credit card as you'd use any other card. Spend £200 a month on your credit card and get rewarded with £4 off your quarterly BT bill.

Full details, including terms and conditions, and current APR, can be found on the BT Credit Card site.



BT Credit Card Review

BT is slowly invading your home - as well as phone and broadband, you can now get digital telly from BT in the form of BT Vision, and more and more homes across the UK now have a shiny black BT Home Hub hiding away somewhere supplying wireless Internet access.

Now, BT has teamed up with a major credit card partner to infiltrate your wallet too - and if you're already with BT, then using this card can save you a few quid off your BT bill.

Montage of BT Credit CardsPowered by MBNA, the BT Credit Card is a standard Visa card that rewards you for making your everyday purchases on the card. BT will cut 1p off home phone or BT broadband bills for every £1.50 that you spend on the card.

Admittedly, there are some better cashback credit card offers out there if you look for them, but for convenience, BT's Visa Card is a great way of saving some cash without much effort or hassle.

To benefit from using the card, you obviously have to get your phone or Broadband from BT, but more importantly, you have to be in a position to pay off your credit card balance in full each month. If you don't, the interest you pay could end up exceeding the money you save off your bill.

At launch, the card offered 12 months 0% balance transfers.

Online banking

The BT Credit Card behaves in much the same way as any other credit card, and you're able to manage your credit card online. Also, if you're an environmentally-friendly type, you can also opt to go paperless.

The online credit card portal allows you to look back at your previous statement and recent transactions. You can browse and download the last year's worth of statements, transfer a balance, make a payment, add an additional cardholder, view your PIN, apply to change your credit limit, and download transactions in a format that can use imported in a finance package such as Microsoft Money or Quicken.

BT Credit Card Online Statement
BT Credit Card Online Statement

Our Summary

So, is the BT Credit Card worth a look? If you get your phone or broadband from BT, and typically pay off your credit cards in full - then yes, it's worth going for.

There's nothing to lose, no annual fee, and you can save simply by using your credit cards as normal each month.

Sample of online banking
BT Credit Card designs

The BT Credit Card is a Visa card, and is available in a choice of colours: Black, Silver, Green and Girlie Pink.



Alternative Cashback Card Offers

Looking for other ways to save money on your credit card? There are some other great offers out there that may suit you better than BT's card... Here are a couple worth a look:

Want up to 5% cashback? We recommend the American Express Platinum Credit Card



Information for BT Credit Card Users

Already have a credit card from BT? Here's some help and advice that existing card users may find handy:


BT Credit Card Customer Services Phone Number: 0800 111 4455

Balance by text message: Send the word BAL, TRAN or BILL to 83838 or 07860 010010

Postal Address: Card Services, Royal Avenue, Widness WA88 1AS


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