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Enjoy 0% on balance transfers
for 25 months*with the M&S Instant Spend Transfer Plus Offer


Apply today for an M&S Credit Card and start your Christmas shopping straightaway

Representative Example

19.9%
Purchase rate p.a (variable)

19.9% APR
Representative (variable)

£1,200
Assumed credit limit

 

Balance transfers have a 2.85% fee, minimum £5. Terms and conditions apply.

Apply now for the M&S Transfer Plus Offer

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

0% interest

on all shopping, not just Christmas shopping, for 3 months

0% interest

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.

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

FAQ's

How can I shop online straightaway?

If your application is accepted, we will send temporary card details to you via email.

We will send your M&S Credit Card in the post but in the meantime, you will be able to spend up to £500 online today at marksandspencer.com.

What do I need to know about shopping online straightaway?

The temporary card details we’ll send you:

  • Can be used to spend up to £500 at marksandspencer.com (but you won't be able to use them anywhere else).
  • Can be used for 5 days including the day you open your account.
  • Can’t be used to purchase M&S gift cards.

Any amount you spend using your temporary card details will appear on your first statement.

When your new M&S Credit Card arrives in the post, you’ll be able to use it elsewhere (including in store and at other retailers), up to your credit limit.

** M&S Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S reward vouchers

 Excludes M&S Giftcards