M&S Credit Card

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

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 long 0% introductory offer on balance transfers.

The M&S Shopping Plus card is the M&S credit card for those customers more interested in an all round credit card. This M&S Shopping Plus card, has equal length 0% introductory offers 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:-

0% Credit Card Offers

M&S Transfer Plus Credit Card*

Balance Transfers:

0% for 28 months

Balance Transfer Fee:

2.85%

Purchases:

0% for 6 months

Representative APR:

19.9% APR (variable)

Credit Card Details

M&S Transfer Plus Credit Card*

• 0% for 28 months on balance transfers made within 90 days of account opening
• 2.85% balance transfer fee, minimum £5
• 0% on purchases for 6 months from account opening
• Collect M&S points every time you shop anywhere in the world with your card
• Preferential rates when you use your card to order M&S Travel Money
• Manage account online
• Annual Fee: £0

Application Criteria

M&S Transfer Plus Credit Card*

• You are a UK resident
• You have a UK bank or building society account
• You are aged 18 or over
• You have not held a credit card with M&S Bank within previous 12 months

0% Credit Card Offers

M&S Shopping Plus Credit Card*

Balance Transfers:

0% for 20 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 months

Representative APR:

19.9% APR (variable)

Credit Card Details

M&S Shopping Plus Credit Card*

• 0% for 20 months on balance transfers made within 90 days of account opening
• 2.9% balance transfer fee, minimum £5
• 0% on purchases for 20 months from account opening
• Collect M&S points every time you shop anywhere in the world with your card
• Preferential rates when you use your card to order M&S Travel Money
• Manage account online
• Annual Fee: £0

Application Criteria

M&S Shopping Plus Credit Card*

• You are a UK resident
• You have a UK bank or building society account
• You are aged 18 or over
• You have not held a credit card with M&S Bank within previous 12 months

0% Credit Card Offers

M&S Reward Plus Credit Card*

Balance Transfers:

0% for 6 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 6 months

Representative APR:

19.9% APR (variable)

Credit Card Details

M&S Reward Plus Credit Card*

• 0% for 6 months on balance transfers made within 90 days of account opening
• 2.9% balance transfer fee, minimum £5
• 0% on purchases for 6 months from account opening
• Collect M&S points every time you shop anywhere in the world with your card
• Buy M&S Travel Money with no cash advance fee
• Manage account online
• Annual Fee: £0

Application Criteria

M&S Reward Plus Credit Card*

• You are a UK resident
• You have a UK bank or building society account
• You are aged 18 or over
• You have not held a credit card with M&S Bank within previous 12 months

The M&S credit cards, like many other credit cards in the UK in 2019, 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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