Credit available subject to status to UK residents aged 18 or over.
Benefits of the Transfer Plus Offer
Start your Christmas shopping straightaway at M&S.com with a £500 limit†
on all shopping, not just Christmas shopping, for 3 months
for 25 months on balance transfers made within 90 days of account opening (2.85% fee, min £5)*
Earn M&S points** every time you shop
Check if you're likely to be accepted for an M&S Credit Card without affecting your credit score. Find out more(opens in a new window)
*Balance transfers have a 2.85% fee, minimum £5. Terms and conditions apply (we don't normally allow you to do this where the other lender is in the HSBC Group). 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.
Balance Transfer Calculator
With the M&S Transfer Plus Credit Card you'll pay no interest for 25 months on balance transfers made within 90 days of account opening (a fee applies – 2.85% of the amount transferred, min £5)
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.
Did you know we have other Credit Card offers?
Shopping Plus Offer
0% on shopping for 18 months and 0% for 16 months on balance transfers made within 90 days of account opening (2.9% fee applies, minimum £5)
Find out more about the M&S Shopping Plus Offer
Rewards Plus Offer
Double M&S points on all your M&S shopping for the first 12 months
Find out more about the M&S Rewards Plus Offer
Ready to apply for the Transfer Plus Offer?
Apply for the M&S Transfer Plus Offer