19.9 % APR
- 0% on purchases for 6 months
- 0% on balance transfers for 6 months
- Double M&S points on all your M&S shopping for the first 12 months
Calculate your savings
How much would you like to transfer?
How much can you repay monthly?
What's your current card's APR?
You'll save 159
We calculate the interest you would save by holding your balance on the new 0% interest card instead of your current card, taking into account the transfer fee, over the length of the 0% offer.
We assume you won’t do any spending on the card as this is usually charged at a different rate. For a full list of assumptions click here
- 0% on purchases for 6 months, then 19.9% p.a. (variable)
- 0% on balance transfers for 6 months, available for 90 days from account opening (2.9% fee applies, minimum £5), then 19.9% p.a. (variable)
- Be a UK resident
- Be aged over 18
- Not have held an M&S Bank credit card within the previous 12 months
- Balance Transfer OfferBalance Transfer OfferIntro RateIntro Rate0 %DurationDuration6 monthsTransfer FeeTransfer Fee2.9 %
- Purchase OfferPurchase OfferIntro RateIntro Rate0 %DurationDuration6 months
- Annual Interest RatesStandard APRsBalance TransfersBalance Transfers19.9 %PurchasesPurchases19.9 %Cash WithdrawalsCash Withdrawals23.9 %
- Other Key FactsAnnual FeeAnnual Fee£0Cash Advance FeesCash Advance Fees2.99 %Minimum Age18 yearsMinimum IncomeNot SpecifiedOverseas Transaction FeeOverseas Transaction Fee2.99 %