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Marks & Spencer Credit Cards

3 CARDS

M&S Bank, backed by Marks & Spencer, offers credit cards focused on shopping rewards and exclusive perks for M&S customers. A key feature is the M&S Loyalty Scheme, which allows customers to earn points on all purchases, with extra points for spending at M&S stores.

M&S Bank

Purchase Plus

4.3

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 24 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 12 months within 90 days, then 24.90% (variable) p.a. (3.49% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.9% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

4.3

OUR RATING

Quick Look

The M&S Bank Purchase Plus credit card offers 0% interest on purchases for up to 24 months, followed by a variable APR of 24.90%. Cardholders can also earn M&S points on all purchases, making it a balanced option for interest free spending with added rewards.

Issuer	M&S Bank
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme	M&S Rewards
Incentive on opening	By subscribing to M&S Club Rewards for £10 per month, you will receive £120 in M&S vouchers as well as other gifts and treats. In total, that could be worth £240 (check T&Cs), throughout the year.
Cashback rate (if applicable)	1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers.
Account Fees	£0
Purchases	0% for up to 24 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	55 days
Balance Transfers	0% for 12 months within 90 days, then 24.90% (variable) p.a. (3.49% fee)
Balance Transfer Fee (%)	3.49%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

M&S Bank

Transfer Plus

4.4

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 30 months, then 24.90% (variable) p.a. (3.49% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.9% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

4.4

OUR RATING

Quick Look

The M&S Bank Transfer Plus credit card offers up to 30 months of 0% interest on balance transfers, placing it among the longer-term balance transfer options available. In addition to the promotional offer, cardholders can earn M&S points on everyday spending, adding a rewards element to the card.

Issuer	M&S Bank
Network	Mastercard
Primary Category	Balance Transfer
Loyalty Scheme	Points
Incentive on opening	By subscribing to M&S Club Rewards for £10 per month, you will receive £120 in M&S vouchers as well as other gifts and treats. In total, that could be worth £240 (check T&Cs), throughout the year.
Cashback rate (if applicable)	1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers.
Account Fees	£0
Purchases	0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	55 days
Balance Transfers	0% for 30 months, then 24.90% (variable) p.a. (3.49% fee)
Balance Transfer Fee (%)	3.49%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 500.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

M&S Bank

Rewards

4.3

OUR RATING

Representative APR

23.9% APR (variable)

Purchases

0% for up to 9 months, then 23.90% (variable) p.a.

Balance Transfers

0% for 90 days, then 23.90% (variable) p.a. (3.49% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 23.9% (variable) p.a., most accepted customers get a rate of 23.9% APR (variable).

Read Full Review

4.3

OUR RATING

Quick Look

The M&S Bank Rewards credit card allows cardholders to earn rewards while enjoying 9 months of 0% interest on purchases and balance transfers. It provides a balanced option for earning benefits alongside interest-free spending.

Issuer	M&S Bank
Network	Mastercard
Primary Category	Rewards
Loyalty Scheme	M&S Rewards
Incentive on opening	Enjoy £5 back in M&S vouchers for every £100 you spend with M&S for your first six months.
Cashback rate (if applicable)	1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 200 rewards points = £2 in M&S vouchers.
Account Fees	£0
Purchases	0% for up to 9 months, then 23.90% (variable) p.a.
Purchases Interest Free Period	55 days
Balance Transfers	0% for 90 days, then 23.90% (variable) p.a. (3.49% fee)
Balance Transfer Fee (%)	3.49%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 500.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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