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M&S Shopping Plus Credit Card

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Balance Transfer offer duration
22 mths
Transfer Fee
2.9%
Representative % APR (variable)
21.9% APR
You'll save £641

Representative Example

Tooltip

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 22 months
0% interest on purchases for 22 months
Collect 1 M&S 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 22 months, then 21.9% APR (variable) (2.9% balance transfer fee, £5 minimum)
0% interest on purchases for 22 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 641

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)
£728
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
£641

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 OfferTooltip
Intro Rate
Tooltip0 %
Duration
Tooltip22 months
Transfer Fee
Tooltip2.9 %
Purchase OfferTooltip
Intro Rate
Tooltip0 %
Duration
Tooltip22 months
Annual Interest RatesTooltip
Balance Transfers
Tooltip21.9 %
Purchases
Tooltip21.9 %
Cash Withdrawals
Tooltip23.9 %
Other Key Facts
Annual Fee
Tooltip£0
Cash Advance Fees
Tooltip2.99 %
Minimum Age
18 years
Minimum Income
£0
Overseas Transaction Fee
Tooltip2.99 %

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).

Coronavirus help and support

You can find more information about coronavirus help and support here.

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TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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