Say hello to M&S Club Rewards
After you successfully apply for your M&S Credit Card, you will have the option to upgrade to M&S Club Rewards and enjoy exclusive benefits for £10 per month.
M&S Club Rewards is subject to status and account conduct. You must be the main M&S Credit Card account holder to join. Club Rewards is automatically renewed monthly.
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.
Please enter a higher amount. The minimum repayment is 2.5% of your balance, or £5, whichever is highest.
You could save £-- by switching to M&S Credit Card
Based on the figures entered, your balance would be paid off in -- months. This saving is based on months being interest free and after that the standard variable rate of % has been assumed.
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.