M&S Transfer Plus offer
Purchase rate p.a (variable)
Assumed credit limit
0% for 28 months on balance transfers made within 90 days of account opening (2.99% fee, min £5)*.
You can shop with your M&S Credit Card in millions of outlets, 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
See how your rewards points could add up.
Credit available subject to status to UK residents aged 18 or over. Balance transfers have a 2.99% fee, minimum £5. Terms and conditions apply.
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.
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During your application we will need your:
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If you foresee any changes in your circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker please contact us on 0800 997 996 to discuss further before starting your application online.
Credit is subject to status. The rate we offer will depend on our assessment of your circumstances.
When we check your details with a credit reference agency, a search/enquiry is registered to say that you've applied for credit today. As part of our checks, we link your name with individuals associated with you financially, and any previous names you've provided.
We'll also check your details with a fraud prevention agency to prevent fraud and money laundering. If you've provided false or inaccurate information (and fraud is identified) we'll pass your details to fraud prevention agencies. If you want, we can explain how your information held by fraud and other credit reference agencies may be used.
If your application is approved, we'll send your PIN first, followed by your M&S Credit Card a few days later. You should receive your new card and PIN within ten working days.
Once your application is approved, and you have received your M&S Credit Card, you will be able to apply for a balance transfer within 90 days of opening your account. We accept balance transfers from most credit or store cards held with other lenders.
Your gross annual income is the amount you receive before tax, national insurance and any other deductions. This includes self-employed income and any pensions.
If you receive income from a zero hours’ contract, please include your average earnings for the last 12 months with the same employer.
Please include any benefit income when guaranteed for the duration of the lending. These include, but are not limited to:
We may need to see evidence of these payments.
Apply now in as little as 3 minutes
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Learn more about the benefits of our purchase credit card offer.
As an M&S Bank cardholder you earn rewards points every time you spend. Those rewards points turn into M&S vouchers ready for you to treat yourself in M&S stores or online up to four times a year. And, if you really love M&S, by subscribing to M&S Club Rewards you could receive £240** worth of goodies throughout the year, for just £10 a month.
Understand what M&S Rewards you can receive hereFind out more
Collect 1 point for every £1 spent in M&S and 1 point for every £5 spent elsewhere. 100 points = £1 in M&S vouchers.
With M&S Club Rewards you'll receive an extra 2 points per £1 spent in M&S.
23.9% APR Representative (variable)
Available to existing cardholders for just £10 a month
M&S Rewards Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S Rewards Vouchers.
Have a question about our credit cards?
Just ask our virtual assistant to see if it can help.
Visit our ways to borrow page to understand more about the types of borrowing available at M&S Bank before deciding what is best for you.
When borrowing on your M&S Credit Card you should consider your ability to maintain the monthly repayments. M&S Bank does not currently sell Payment Protection Insurance to cover your repayments in the event of unemployment, accident or sickness. However, there are products in the market that will do this and insurers who sell this cover.
You can find useful information on the Money Advice Service website(opens in a new window) including information about payment protection insurance.
Sparks has become simpler and more rewarding. Points have been removed and exciting new benefits have been introduced instead, like the chance to get surprise treats every time you shop. Sparks may have changed, but your M&S Credit Card points haven’t. You'll still continue to collect points every time you spend on your M&S Credit Card and receive your M&S reward vouchers every three months.
For more information about Sparks visit the join sparks page.
* Balance transfers have a 2.99% 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, 6 next day deliveries (not available in some locations eg Northern Ireland and Guernsey), points earned from £1,000 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.