M&S Transfer Plus Credit Card benefits

• 0% interest on balance transfers for up to 26 months and 0% interest on purchases for up to 3 months, then 24.9% APR variable. A 3.49% fee applies per balance transferred, minimum £5.
• You can shop with your M&S credit card in 43 million outlets worldwide, wherever you see the Mastercard logo.
• Earn rewards points every time you shop and they'll be converted into M&S vouchers for you to spend. We'll give you 1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers
• You can add an additional card holder over the age of 18 to your account.
• With the M&S Credit Card, you can benefit from no interest on purchases for 55 days made when you pay your balance in full every month by the due date
• Manage your account online.
• You can also register for Sparks to benefit from personalised offers, a charity donation with every purchase and more when you shop at M&S.
• You can check your eligibility for the M&S Purchase with Creditec. Below this, you'll also be able to review similar credit cards that you are eligible for, so you can make sure the credit card you choose is the right one for you.

Repayment details

Up to 55 days for purchases when you pay your balance in full every month by the due date. Allocation of payments: (a) any unpaid arrears or amounts over the credit limit; (b) the amount you owe us and shown in your statement; (c) any transactions, interest or charges not yet included in a statement.

Representative example

When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to any shown here, because these depend on your circumstances.