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M&S Credit Card

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Cash withdrawals abroad 2.99% of the amount of cash withdrawn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;

johpau622 February 2, 2016February 3, 2016

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Balance transfer intro period

Balance transfer months - intro period:   -   (0) 
Balance transfer rate - intro period:   -   (0) 
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Rewards

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Representative APR

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Balance transfer AFTER intro period

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Cash withdrawal interest rate

Cash withdrawal interest rate:   -   (0) 
Cash withdrawal interest rate Abroad:   -   (0) 

Fees

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Late payment fee:   -   (0) 
Overlimit fee:   -   (0) 

Purchases intro period

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APR - Purchases intro period :   -   (0) 

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