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M&S Transfer Plus Card

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Balance Transfer offer duration
32 mths
0% Purchase offer duration
3 mths
Representative % APR (variable)
21.9% APR
Transfer Fee
1.99%

Representative Example

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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% on balance transfers for 32 months
0% interest on purchases for 3 months
Low representative APR
No annual fee

What's Bad

The APR you receive can vary depending on your individual circumstances

Features

0% interest on balance transfers for 32 months, then 21.9% APR (variable) (1.99% balance transfer fee, £5 minimum)
0% interest on purchases for 3 months, then 21.9% APR (variable)

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 OfferTooltip
Intro Rate
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0 %
Duration
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32 months
Transfer Fee
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1.99 %
Purchase OfferTooltip
Intro Rate
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0 %
Duration
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3 months
Annual Interest RatesTooltip
Balance Transfers
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21.9 %
Purchases
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21.9 %
Cash Withdrawals
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23.9 %
Other Key Facts
Annual Fee
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£0
Cash Advance Fees
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2.99 %
Minimum Age
18 years
Minimum Income
Not Specified
Overseas Transaction Fee
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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).

We're on a mission to help everyone move their finances forward and gain financial momentum.


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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