Benefits of a balance transfer credit card
- 0% Interest on balance transfers for up to 30 months0% for up to 30 months on balance transfers made within 90 days of account opening (3.49% fee, min £5).*
- 0% Interest on purchases for 3 monthsYou can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.
- 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.
Why is my rate and promotional period 'up to'?
Representative example
24.9% Purchase rate p.a (variable)
24.9% APR Representative (variable)
£1,200 Assumed credit limit
Pre-approved information
If you would like to take advantage of this offer, you will need to apply via this page - so if you're ready to apply, please don't navigate away.
If you would like longer to decide and you reached us through a comparison site, you can find your way back here through your results email (just remember that pre-approved results are only valid for 24 hours).
Please note that this decision is based on the information provided within the eligibility check and may change if your information differs. It is subject to final fraud, anti-money laundering, bankruptcy and financial vulnerability checks.
The offer is not valid if you already have an application for a credit card with M&S Bank in progress or you currently hold a credit card with M&S Bank.
Ready to apply?
Use our online application to apply now
dpws-tools-calculator-creator
The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S Credit Card Transfer Plus offer. 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 3.49% transfer fee.
M&S Credit Card Rewards
You can collect Loyalty Rewards points when you shop using your M&S Credit Card. These points are converted into M&S vouchers for you to redeem at M&S stores or M&S.com. Rewards point totals will be converted to vouchers up to 4 times a year. You can choose to receive these digitally in the Sparks area of the M&S app or via post as paper vouchers. These vouchers are valid for up to 17 months, so you can spend them straightaway or save them for a special occasion, the choice is yours. Find out more about how M&S Rewards you.
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**, on average, throughout the year.
* 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.