M&S Credit Card Purchase Plus offer
Spread the cost of your purchases and earn M&S vouchers
Benefits of a purchase credit card
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0% Interest on purchases for up to 20 months
You can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.
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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)*.
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Earn M&S vouchers
Earn Rewards points every time you shop and they'll be converted into M&S vouchers for you to spend. See how your rewards points could add up.
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
Why is my rate and promotional period 'up to'?
The rate and promotional period we offer will depend on our assessment of your circumstances.
We may offer you:
- 0% for 20 months on purchases and 12 months on balance transfers with 24.9% APR
- 0% for 15 months on purchases and 9 months on balance transfers with 27.9% APR
- 0% for 15 months on purchases and 9 months on balance transfers with 29.9% APR
The balance transfer fee will remain at 3.49%, min £5.
Balance Transfer Calculator
Balance transfer calculator
With the M&S Credit Card you'll pay no interest for months on balance transfers made within 90 days of account opening (a fee applies – % of the amount transferred, min £5). Fill out the following input boxes to see how much you could save:
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.
The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S Credit Card . 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 % transfer fee.
Not the right card for you?
If you'd rather have a longer period to pay off a balance transfer, explore our balance transfer option.
Find out more about our balance transfer credit card
Credit card rewards
As an M&S Bank cardholder you earn Rewards points every time you spend. Those Rewards points turn into M&S Rewards vouchers up to four times a year, which are either sent to you in the post or are available in your Sparks account at marksandspencer.com or in the M&S app. Use these to treat yourself in M&S stores or online. And, if you really love M&S, by subscribing to M&S Club Rewards you could receive over £240**, on average, worth of goodies throughout the year, for just £10 a month.
M&S Rewards
Learn more about the Rewards you receive by using your M&S Credit Card
M&S Club Rewards
Enjoy even more Rewards by becoming a M&S Club Rewards member
M&S Rewards Calculator
Understand what M&S Rewards you can receive here
* Our Purchase Plus balance transfer has 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.
** Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 9 next day deliveries (not available in some locations eg Northern Ireland and Guernsey), points earned from £300 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.