M&S Credit Card Transfer Plus offer
Looking to transfer a credit card balance? Explore our balance transfer credit card option
Benefits of a balance transfer credit card
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0% Interest on balance transfers for up to 30 months
0% for up to 30 months on balance transfers made within 90 days of account opening (3.49% fee, min £5)*.
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0% Interest on purchases for 3 months
You can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.
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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 30 months on balance transfers with 24.9% APR
- 0% for 27 months balance transfers with 27.9% APR
- 0% for 20 months 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 up to 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?
Learn more about the benefits of our purchase credit card offer.
Find out more about the M&S Credit Card Purchase Plus offer
Other ways to borrow
Learn more about the types of borrowing available at M&S Bank before deciding what is best for you.
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.
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 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.