Representative Example
24.9% APR
Representative (variable)
24.9%
Purchase rate p.a. (variable)
£1,200
Assumed credit limit
Interest-free periods
0% interest on shopping for 3 months
0% interest on balance transfers for up to 30 months
For transfers made within 90 days of account opening (3.49% fee, min £5)
Up to 55 days interest-free credit
When you pay your balance in full and on time each month
88% of M&S Bank customers in Finder.com's customer satisfaction survey would recommend the brand to a friend.
Balance Transfer Calculator
Pay no interest for up to 30 months on balance transfers made within 90 days of account opening (3.49% a fee applies, min £5*).
The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S Credit Card Transfer Plus offer. You should ensure that the data you enter is accurate. The saving is based on the assumption that you will continue to make the fixed monthly payments and that you don't use the credit card for purchases, cash or other transactions. The balance transfer calculator doesn't take into account your financial position (for example, if you have other cards with balances that you do not intend to transfer). APR is variable. Savings based on 3.49% transfer fee.
More great benefits
Access your rewards in your M&S account
Access rewards vouchers, Bonus Offers and track your points online or in the M&S app
Choose how to pay your credit card
Set up a Direct Debit or use a debit card
Add an additional cardholder
Both earn Rewards points on all your shopping (cardholders must be 18+)
No cash advance fee for M&S Travel Money
When you use your M&S Credit Card
FAQs
Applying for a credit card
General credit card FAQs
Credit card rewards
Terms & Conditions
Marks and Spencer plc, Waterside House, 35 North Wharf Road, London W2 1NW acts as a credit broker and not a lender. Authorised and regulated by the Financial Conduct Authority (Register no. 718711). Credit is provided subject to status by Marks & Spencer Financial Services plc to UK residents aged 18 or over. We receive a payment from Marks & Spencer Financial Services plc for introducing customers who apply and are approved for credit. The payment is made to cover the costs we incur by offering credit products to our customers and may therefore vary depending on the credit product. It will not affect the amount you pay for credit.
* Full offer and credit card T&Cs apply and can be viewed here. Offer can be withdrawn at any time.
† Not accounting for any incentive offer that includes a points boost.
We accept balance transfers from most credit or store cards held with other lenders.
