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).

4.3

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

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.

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

Product Features & Benefits

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/Rewards (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 Fee	£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

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 12
Exceed Limit	£ 12
Duplicate Statement	£ 0
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	3%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	3%
Foreign Usage World	3%