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M&S Bank Reward Plus Credit Card

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0% Purchase offer duration
12 mths
Representative % APR (variable)
21.9% APR

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 purchases for 12 months, then 21.9% p.a. (variable)
0% on balance transfers for 12 months, available for 90 days from account opening (2.9% fee applies, minimum £5), then 21.9% p.a. (variable)
Double M&S points on all your M&S shopping for the first 12 months
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% on purchases for 12 months, then 21.9% p.a. (variable)
0% on balance transfers for 12 months, available for 90 days from account opening (2.9% fee applies, minimum £5), then 21.9% p.a. (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 Offer tooltip
Intro Rate
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0 %
Duration
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12 months
Transfer Fee
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2.9 %
Purchase Offer tooltip
Intro Rate
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0 %
Duration
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12 months
Annual Interest Rates tooltip
Balance Transfers
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21.9 %
Purchases
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21.9 %
Cash Withdrawals
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29.9 %
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?

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

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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