M&S Credit Card

The M&S credit card range currently offers a choice of three M&S cards for customers in the UK.

M And S Credit Card

The M&S Transfer Plus card is the M&S credit card for customers who are looking to make a balance transfer. This Marks and Spencer credit card has a longer 0% introductory offer on balance transfers.

The M&S Shopping Plus credit card is the card for those customers more interested in an all round credit card. This M&S Shopping Plus credit card, has 0% introductory offers, of equal length, for both purchases and balance transfers.

Also available from Marks and Spencer is the M&S Rewards Plus card. This card, primarily offers customers additional M&S Points on their card spend.

M and S Credit Card

The longest M and S credit card offer for customers looking to make a balance transfer is available on the M&S Transfer Plus credit card. This card now offers 0% for 28 months on balance transfers with a 2.85% balance transfer fee, minimum £5. This card also offers 0% for 6 months on purchases and has a representative 19.9% APR variable.

The M and S credit card offer for customers looking for an all round credit card is available on the M&S Shopping Plus credit card. This card now offers 0% for 20 months on purchases and 0% for 20 months on balance transfers. The card has a 2.9% balance transfer fee, minimum £5 and a representative 19.9% APR variable.

The following featured M&S credit card offers are now available to UK customers:-


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Due to the coronavirus outbreak and subsequent reduced bank processing capacity, we are unable to provide you with a link to any M&S credit cards at this time. We apologise for the inconvenience.

Alternative credit cards are available from all of the following UK banks:-

0% Credit Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

NatWest Longer Balance Transfer
  • 0% on balance transfers for 28 months from account opening
  • 2.75% balance transfer fee
  • 0% on purchases for first 3 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

NatWest Longer Balance Transfer
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 20 months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Dual Offer Credit Card
  • 0% interest on balance transfers for up to 20 months
  • 3% balance transfer fee, minimum £3 on transfers made at application
  • 0% interest on purchases for up to 20 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Sainsbury’s Dual Offer Credit Card
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
To apply for a credit card you must be a Nectar member and should have been one for at least 6 months
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 30 months
Balance Transfer Fee:
2.95%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Balance Transfer
  • 0% interest for up to 30 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest for the first 3 months on purchases
  • Internet fraud protection and Clicksafe
  • Apple Pay and Android Pay
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Balance Transfer
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
1%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Credit Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 1% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
More Information
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

The M&S credit cards, like many other credit cards in the UK over the last year, have reduced the length of their introductory offers. Warnings from the Bank of England have seen all the banks cut back on introductory offers. The M&S Transfer Plus card had previously offered 0% for up to 32 months on balance transfers during 2018.

Marks and Spencer Credit Card

The Marks and Spencer credit cards also offer customers Marks and Spencer reward points. Points are earned when the Marks and Spencer credit cards are used to make purchases online or on the high street.

Customers with a Marks and Spencer credit card earn 1 point for every £1 spent in M&S using the card. Customers also earn one point for every £5 spent elsewhere using the card. These M&S points are converted to rewards vouchers several times per year. The vouchers can be spent in M&S stores, either on the high street or online.

The Marks and Spencer credit card can be applied for online. Customers need to be UK residents, aged 18 or over and have a bank or building society account.

The Marks and Spencer credit card is issued as a Mastercard credit card. The M and S credit cards are accepted at the millions of locations which accept Mastercard cards, all around the world.

The M&S credit cards are issued by HSBC Bank in the UK. As a result, balance transfer are not possible between any of the HSBC credit cards and a Marks and Spencer credit card.


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