tickComparing UK 0% credit cards online since 2002
tickEvery 0% credit card currently available online
tick0% credit card deals and offers are updated daily

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 now has a longer 0% introductory offer for purchases, than it does for 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 29 months on balance transfers with a 2.75% balance transfer fee, minimum £5. This card also offers 0% for 3 months on purchases and has a representative 21.9% 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 21.9% APR variable.

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


0% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

Due to the coronavirus outbreak and subsequent reduced bank processing capacity, we have been asked not to provide you with a link to any of the 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 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
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
  • 3% 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)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 9 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Partnership Credit Card
  • 0% on balance transfers for 18 months from account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 9 months from account opening
  • Earn points to convert into John Lewis and Waitrose vouchers
  • Every 500 points you earn is worth £5 in vouchers
  • Exclusive partnership cardholder events and special offers
  • Annual Fee: None
More Information

Application Criteria

Partnership Credit Card
  • You have a UK residential address
  • You have a good credit history
  • You have a household income of more than £6,750 a year
  • You are aged 18 or over
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

The M&S credit cards, like many other credit cards in the UK over the last year, had reduced the length of their introductory offers. Warnings from the Bank of England have seen all the banks cut back on introductory offers.

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.


Related Content From 0% Credit Card Expert:-


Published: March 29, 2021, Updated: April 6, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily