An M&S credit card with a long 0% balance transfer offer, a short 0% purchase period and M&S reward points.
Compare the representative APR, any introductory offers and fees, and see whether the card suits the way you spend and repay.
Look at the APR, how long any 0% offer lasts and the fees before you choose a card.
Benefits of the M&S Transfer Plus Credit Card
- Long 0% transfers: Up to 30 months interest-free on balances moved within 90 days.
- M&S rewards: Earn points at M&S and elsewhere, paid as vouchers.
- Interest-free days: Up to 55 days interest-free on purchases when you pay in full.
- Sparks login: Eligibility checks link to your M&S Sparks account.
| Feature | Detail |
|---|---|
| Representative APR | 24.9% APR (variable) |
| Intro offer | 0% on balance transfers for up to 30 months (within 90 days), 0% on purchases for 3 months |
| Balance transfer fee | 3.49% (minimum £5) |
| Rewards | 1 point per £5 spent, converted to M&S vouchers |
| Eligibility | 18+, UK resident, income/pension of £6,800+ |
Key features
Long 0% transfers: Up to 30 months interest-free on balances moved within 90 days.
M&S rewards: Earn points at M&S and elsewhere, paid as vouchers.
Interest-free days: Up to 55 days interest-free on purchases when you pay in full.
About M&S Bank (a trading name of HSBC UK Bank plc)
M&S Bank (a trading name of HSBC UK Bank plc) is an established UK card issuer, authorised and regulated in the UK. You can check eligibility and apply online.
We compare independently and then send you to the issuer’s official website to apply. We are not a lender or credit broker.
Rates, limits and offers depend on your circumstances and are set by M&S Bank (a trading name of HSBC UK Bank plc). Representative APR shown where available.