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M&S Credit Card Transfer Plus offer

Exclusive offer - £25 cashback

  • £25 cashback when you spend or transfer a balance of over £100 before 31 October 2018. Cashback issued by 30 November 2018. Terms and conditions apply opens in a new window
  • 0% on balance transfers for 32 months, available for 90 days from account opening (0.99% fee applies, minimum £5)
  • 0% on shopping for 6 months
  • Earn M&S points every time you shop

Representative example

Purchase rate p.a.

19.9% APR

credit limit

Check if you’re likely to be accepted for an M&S Credit Card, without affecting your credit score. Find out more about credit card elgibilility


Credit available subject to status to UK residents aged 18 or over. Balance transfers have a 0.99% fee, minimum £5. Terms and conditions apply.

A rewarding credit card

We'll give you one point for every £1 you spend in M&S on your M&S Credit Card and one point for every £5 you spend elsewhere. As a welcome bonus, we’ll also send you a 500 M&S points voucher, worth £5, to use when you spend on food, clothing or home at M&S with your new credit card. Terms and conditions applyTerms and conditions apply.

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). Fill out the following input boxes to see how much you could save:

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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Did you know we have other credit card offers?

If you’d rather have a longer period to pay for your shopping then the M&S Credit Card Shopping Plus offer may be more suitable for you.

Find out moreabout the M&S Credit Card Shopping Plus offer

If you’d rather have more M&S rewards the M&S Credit Card Reward Plus offer may be more suitable for you.

Find out moreabout the M&S Credit Card Reward Plus offer