Your interest rate, promotional period and credit limit may vary depending on your individual circumstances.
Representative example
24.9% Purchase rate p.a (variable)
24.9% APR Representative (variable)
£1,200 Assumed credit limit
M&S Credit Card Purchase Plus offer
Spread the cost of your purchases and earn M&S vouchers
Benefits of a purchase credit card
0% Interest on purchases for up to 24 months
You can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.
0% Interest on balance transfers for up to 12 months
0% for up to 12 months on balance transfers made within 90 days of account opening (3.49% fee, min £5)*
Earn M&S vouchers
Earn Rewards points every time you shop, and they'll be converted into M&S vouchers for you to spend**
* Our credit card balance transfer offers have a 3.49% fee, minimum £5. Terms and conditions apply. Don't forget to make at least your minimum payments on time to keep your promotional rates on balance transfers and purchases and save on interest. We accept balance transfers from most credit or store cards held with other lenders.
** Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency, or M&S Rewards vouchers.
