Special Note : MBNA is now part of the Bank of America credit card family.

Elite Rewards - The Freedom of Choice. The Power of Points.
You spoke, and we listened. We designed the new Elite Rewards® World MasterCard® credit card to feature one of the most comprehensive rewards programs on the market. There has never been a better opportunity for you to go anywhere you want or get virtually anything you want with a credit card rewards program. Redemption opportunities as low as 500 points!

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	Elite Rewards® World MasterCard® Credit Card
	• Earn Bonus Points for purchases at participating merchants§§§§ • 0% Introductory Annual Percentage Rate (APR)† on balance transfers and cash advance checks for your first 12 billing cycles • Earn 1 point for every $1 in net retail purchase(s). § • Get 500 Bonus Points after your first qualifying retail purchase(s) §§ • No annual fee. • Fly on major U.S. airlines with no blackout dates • Avis® car rental discounts and special offers • Gift cards from top retailers and restaurants Card issued by FIA Card Services, N.A. Intro APR Intro Period Annual Fee 0% 12 Billing Cycles None Offer Ended

Elite Rewards® World MasterCard® Credit Card Short Review The Elite Rewards® World MasterCard® Credit Card is ideal if you'd like the opportunity to earn a variety of rewards. Through the reward program, you will earn one point per dollar spent on general purchases and bonus points for every net retail dollar spent at participating merchants. You'll also receive 500 bonus points after your first purchase. Points are redeemable for gift certificates, car rentals, hotel stays, and flights on over 125 U.S. based airlines. This card has no annual fee, and the interest rate for purchases and balance transfers is very low. There is also a 0% introductory rate on balance transfers and cash advance checks for the first twelve billing cycles. Plus, you'll receive online account access and other benefits. Safe and secure online application with SSL encryption technology.

Elite Rewards® World MasterCard® Credit Card Cardholders Comment/Review/Rating "Finally! A bank listened... Good card so far: no annual fee, no program fee, high initial credit line, low APR although I always pay in full." Kevin, 3/30/2004 "I keep looking for other cards but... I somehow always come back this card. The only other card that comes close is Chase' Platinum card which is free but you have to pay $25 for annual membership to their travel rewards program. MBNA's Elite Rewards points can be used for different airlines. Chase is largely restricted to Continental. The other cards I considered either have expensive membership fees and/or are issued by subprime lenders." Kevin, 3/1/2004 "I had an issue with a vacation booking. The resort was horrible and misrepresented. The credit people at MBNA were able to help me reverse the charges against the resort." Judy, 11/30/2002 "Nice looking card with flexible rewards program. I just got this card a few months ago and my experience using it has been great so far. Points are added to your account every month and you can access this info. as well as redeem your points on the website. You get 1 point for every dollar, even if you pay off the balance. Points can be used for travel and merchandise awards, but they expire after 4 years. Customer service has been great. If the points didn't have expiration dates, this would be one of the best cards in the market today!" Steve, 6/30/2002 "Happy Customer. I love my elite rewards card and the new website eliterewards.com. Not sure why people think they get less points if they pay the account in full-this is not true...see for yourself at the website." David, 6/28/2002 ""I love this card/ also i love the customer service. I could not believe that my approval took less than 10 minutes and i was able to talk to a real live credit analyst insted of a computer. i love this company and this card." nesrob, 5/10/2002 "Best rewards card available. Elite Rewards is the best points program I have seen. A low fixed APR with a grace period and NO annual fee. You can redeem points for gift certificates, airline tickets, free hotel nights, car rentals, and merchandise. You can view your points online at www.eliterewards.com and redeem online also. I love this card." Andrew, 4/18/2002 "Good airline miles/point card. While I wanted to earn airline miles for my purchases, I was hesitant to chose one with a specific airline company. This one allows me to earn points on all purchases that I can redeem through an agency that takes care of getting the best travel deal I want on my terms AND there's no annual fee." TiDot, 12/5/2001 Safe and secure online application with SSL encryption technology.

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