About this card
| Balance transfer intro period | 15 months |
|---|---|
| Balance transfer intro rate | 0.0% |
| Balance transfer intro fee | 2.90% |
| Balance transfer rate, after any introductory period | 18.90% |
| Cash withdrawal interest rate | 23.90% |
| Purchase rate, after any introductory period | 18.90% |
| Purchases abroad | 2.99% of the value of the purchase |
| Cash withdrawals abroad | 2.99% of the amount of cash withdrawn |
| Annual fee | No annual fee |
| Late payment fee | £12.00 |
| Overlimit fee | £12.00 |
Rewards & details
- Paying interest on a credit card? Transfer your balance to M&S Bank and pay 0% for 15 months.
- If you transfer your balance a handling fee of 2.9% is applied and added to the total amount of credit owed.
- Includes a bonus points voucher for 500 M&S points worth £5, when you spend in food, clothing or home at M&S.
- No cash advance or foreign exchange fees when you buy M&S travel money.
Eligibility criteria
- You must be a UK resident aged 18 or over to apply for this card.
- You’re more likely to be accepted if you have a good credit rating.
- Available to customers who do not currently have an M&S credit card.
- The APR may vary from the example depending on your personal circumstances.
Provider address
- You can contact Marks & Spencer at Kings Meadow, Chester, CH99 9FB;