Hi carrotcake,
The AIB APR isnt bad but it depends how you will use it! If you plan on ever using it to withdraw cash the APR for that is 22.5% so its an absolute no no! Also if you have a balance to transfer from your MBNA card the click card doesnt offer any 0% deals on balance transfers like a lot of others, so you'll pay the 8.5% rate on your transferred balance. Also the fees they charge for certain things e.g if you go over limit is higher than the standard cards and finally you have to manage it totally online! But if you are good with your card i.e. dont go over limit, dont withdraw cash and dont have a current balance to transfer its not a bad deal! I think Halifax offer a good deal on their one the rates around 9% APR and about 11% for cash. They also offer 0% on purchases and balance transfers for 6 months! Actually I also think they currently have an offer on where you can get €100 to spend on your card when you sign up!!