Comparing UK 0% credit cards online since 2002
The M and S credit card range currently offers a choice of two different M and S card deals for UK customers.
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 one of the longest 0% introductory offer on balance transfers, available in the UK. This M & S credit card also has a 0% offer on purchases for a few months.
The M&S Purchase Plus card is the M & S credit card for those customers more interested in an all-round card. This Marks and Spencer credit card has a one of longest 0% introductory offers for purchases. The card also has an introductory offer on balance transfers.
M & S Credit Card
The following featured M & S credit card offers are now available to UK customers:-
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- 0% for up to 26 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for 3 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for up to 20 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
The longest 0% 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 offers 0% for up to 26 months on balance transfers with a 3.49% balance transfer fee, minimum £5. This M and S card also offers 0% for 3 months on purchases and has a representative 24.9% APR variable.
The M and S credit card offer for customers looking for an all-round credit card is available on the M&S Purchase Plus credit card. This card now offers 0% for up to 20 months on purchases and 0% for up to 12 months on balance transfers. The card has a 3.49% balance transfer fee, minimum £5 and a representative 24.9% APR variable.
M&S 0 Credit Card
These M&S 0 credit card offers do change on a regular basis. This allows the M and S card deals to stay competitive within the UK card market. The current M&S 0 credit card offers were last changed in February of this year.
A M&S credit card application can be made online. To apply for a M&S 0% credit card, you do need to be a UK resident. As is common for all UK credit cards you also need to be aged 18 or over to apply.
In addition, to meet the application criteria, you do need to have an annual income, or pension, of at least £6,800. You must also not have held any M & S credit card, within the previous 12 months. This last requirement is a common restriction on credit card deals for existing customers, across many of the UK’s card companies.
Marks and Spencer Balance Transfer
The Marks and Spencer 0% credit card is actually issued by HSBC Bank, in the UK. As a result, balance transfers are not possible between any of the HSBC credit cards and a Marks and Spencer credit card.
Customers with a credit card which is not issued by HSBC, can however, make a Marks and Spencer balance transfer from their current existing card.
You can request a M&S credit card balance transfer during the application process for a M & S credit card. Once approved a balance transfer to your existing credit card should complete within just a few days.
A Marks and Spencer balance transfer can save you a good amount of money. This is possible because of the long 0% for up to 26 months introductory offer available on balance transfers. During this 0% introductory offer period you will pay no interest on any balance transferred. Any repayments you make during the 0% offer period will reduce your outstanding balance.
Marks and Spencer Credit Card
The Marks and Spencer credit cards also offer customers Marks and Spencer reward points. You can earn points with any of the Marks and Spencer credit cards when making purchases online, or on the high street.
Customers with a Marks and Spencer credit card earn 1 point for every £1 spent in Marks and Spencer, using the card. This applies for purchases with the card in M&S online, or in the high street stores. Customers also earn one point for every £5 spent elsewhere when using the credit cards from Marks and Spencer.
These M&S points are then 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 is issued as a Mastercard credit card. The credit cards from Marks and Spencer are accepted at the millions of locations which accept Mastercard, all around the world.
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