Benefits of a balance transfer credit card
- 0% Interest on balance transfers for up to 30 months0% for up to 30 months on balance transfers made within 90 days of account opening (3.49% fee, min £5)*
- 0% Interest on purchases for 3 monthsYou can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.
- 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.
Why is my rate and promotional period 'up to'?
Representative example
24.9% Purchase rate p.a (variable)
24.9% APR Representative (variable)
£1,200 Assumed credit limit
Credit card eligibility checker
It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.
Ready to apply?
Use our online application to apply now
Mobile banking
The M&S Banking App allows you to manage your M&S Credit Card in the palm of your hand. View your credit card PIN, securely confirm online payments and receive notifications when you spend. Please note device restrictions apply.
Additional benefits of a balance transfer credit card
dpws-tools-calculator-creator
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.
Ready to apply?
Use our online application to apply now
Frequently asked questions
How do credit cards work?
Understand the fundamentals of credit cards and how they can benefit you.
Not the right card for you?
Learn more about the benefits of our other credit card offers.
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 for £10 per month, you will receive £120 in M&S vouchers as well as other gifts and treats. In total, that could be worth £240**, throughout the year.
* Our Transfer Plus balance transfers 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.
** Based on £120 worth of M&S vouchers, 32 hot drink vouchers, 10% birthday voucher based on £60 average spend, and points earned from an average monthly spend in M&S of £34 on an M&S Credit Card.