i've got an MBNA credit card that has a 11.99 fixed APR but offers no rewards benefits. i'd like to switch to another MBNA credit card with a lower fixed APR and does offer rewards benefits. has anyone done this before or does any know if MBNA would allow me to do this? i'd rather not have two MBNA credit cards, or sign up for one then cancel the first.

Yes just call MBNA and request a product change.