Check Eligibility for the M&S Shopping Plus Credit Card

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Balance Transfer offer duration

15 mths

0% Purchase offer duration

18 mths

Representative % APR (variable)

23.9% APR

Transfer Fee

2.9%

Check my eligibility

Representative Example

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

What’s Good

0% interest on balance transfers for 15 months

0% interest on purchases for 18 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 15 months, then 23.9% APR (variable) (2.9% balance transfer fee, £5 minimum)

0% interest on purchases for 18 months, then 23.9% 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

Rates and Fees

Balance Transfer Offer

Intro Rate

0 %

Duration

15 months

Transfer Fee

2.9 %

Purchase Offer

Intro Rate

0 %

Duration

18 months

Annual Interest Rates

Balance Transfers

23.9 %

Purchases

23.9 %

Cash Withdrawals

29.9 %

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?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

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