Check Eligibility for the M&S Shopping Plus Credit Card

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M&S Shopping Plus Credit Card

Balance Transfer offer duration

24 mths

Transfer Fee

2.9%

Representative % APR (variable)

21.9% APR

You'll save £682

Check my eligibility

Representative Example

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

What's Good

0% interest on balance transfers for 24 months

0% interest on purchases for 24 months

Collect 1 point for every £1 you spend in M&S and 1 point for every £5 you spend elsewhere

Low representative APR

No annual fee

What's Bad

The APR you receive can vary depending on your individual circumstances

Balance transfers must be made within the first 90 days to get the promotional offer

Features

0% interest on balance transfers for 24 months, then 21.9% APR (variable) (2.9% balance transfer fee, £5 minimum)

0% interest on purchases for 24 months, then 21.9% APR (variable)

Collect 1 M&S point for every £1 you spend in M&S and 1 point for every £5 you spend elsewhere

Eligibility

Be a UK resident

Be aged over 18

Not have held an M&S Bank credit card within the previous 12 months

Calculate your savings

Savings Calculator

Amount

How much would you like to transfer?

Repayments

How much can you repay monthly?

% APR

What's your current card's APR?

Update Savings

You'll save 682

See how we calculate this

Your savings

Interest savedInterest savedThe interest saved over the length of the 0% deal compared to borrowing on a card with your current APR (over the 0% period)

£769

Transfer feeTransfer feeThe one off handling fee that you will have to pay if you transfer a balance

£87

Annual feeAnnual feeSome cards charge an annual fee, although the majority are fee free

£0

You'll save

£682

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

Rates and Fees

Balance Transfer Offer

Intro Rate

0 %

Duration

24 months

Transfer Fee

2.9 %

Purchase Offer

Intro Rate

0 %

Duration

24 months

Annual Interest Rates

Balance Transfers

21.9 %

Purchases

21.9 %

Cash Withdrawals

23.9 %

Other Key Facts

Annual Fee

£0

Cash Advance Fees

2.99 %

Minimum Age

18 years

Minimum Income

£0

Overseas Transaction Fee

2.99 %

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

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