M&S Bank Transfer Plus
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).
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 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.
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 | 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/Rewards (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 Fee | £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 |
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 | 2.99% |
| Foreign Usage World | 2.99% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 6,800 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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