Marks & Spencer Credit Cards

Marks & Spencer is one of several high-street retailers that have moved into the money market with a range of financial services. So we can now pick up an Isa along with our underwear. It all started back in 1985 with the launch of the M&S charge card. Over the past 25 years, M&S Money has expanded and now offers a broad range of products from personal loans, to Isas, to pet insurance.

Pay no interest on Shopping for 15 months

M&S credit card
0% on purchases for 15 months
Collect points every time you shop
Buy M&S Travel Money with no cash advance or foreign exchange fees
24 hour access - online or
by phone

Representative Example: If you spend £1200 at an annual interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).

Compare every Marks & Spencer credit card

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Cards listed by duration of 0% purchase offer

	Product Name	Balance Transfer	Purchases	Rewards	Representative APR (Variable)	Product Reviews
www.marksandspencer.com	M&S Credit Card	- - -	0% 15 months	Shopping	15.9% APR	Read review
	Receive points every time you shop No fees on M&S Travel Money Interest rates range from 15.9% - 20.9% Contact M&S Money directly for further information on balance transfer rates. 15 months interest-free introductory period on purchases and you can earn one point for every £1 spent at M&S, and one point for every £2 spent elsewhere. Once you have 100 M&S points, you’ll get a £1 reward voucher to spend in store. The card also entitles you to buy M&S Travel Money with no cash advance or foreign exchange fees and you can access your account 24 hours a day online or by phone. After 15 months, the card charges a typical representative annual percentage rate (APR) of 15.9% variable, so you should make sure you clear your debt within the interest-free period to avoid paying interest. To apply for an M&S Credit Card you must be a UK resident aged 18 or over with a good credit history. You cannot apply for a card if you have held a credit card with M&S Money within the past 12 months. With M&S Rewards you'll receive points every time you shop with your card - you get 1 point for every £1 spend in M&S and 1 point for every £2 you spend elsewhere. Once points mount up you can treat yourself to anything you like in store. You can also buy M&S Travel Money with no cash advance or foreign exchange fees. Receive up to 55 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is interest and default charges plus 1% of the principal, or 2.5% of the balance or £5 whichever is highest. This card will assess your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted. This card offers 15 months interest-free introductory period on purchases, making it a great choice for anyone looking for a cheap deal on new borrowing. After 15 months, the card charges a typical representative annual percentage rate (APR) of 15.9% variable, so you should make sure you clear your debt within the interest-free period to avoid paying interest. As well as offering a lengthy interest-free period on purchases, you also collect points whenever you spend using the card. You earn one point for every £1 spent at M&S, and one point for every £2 spent elsewhere. Once you have 100 M&S points, you’ll get a £1 reward voucher to spend in store. Points are converted into vouchers four times a year and are valid for 15 months. The card also entitles you to buy M&S Travel Money with no cash advance or foreign exchange fees and you can access your account 24 hours a day online or by phone. To apply for an M&S Credit Card you must be a UK resident aged 18 or over and you cannot apply for a card if you have held a credit card with M&S Money within the past 12 months.
	Representative Example: If you spend £1,200 at an annual interest rate of 15.9% (variable) your Representative APR will be 15.9% (variable).

M&S Credit card guide
Glossary of terms

M&S Credit Cards

Marks & Spencer is one of several high-street retailers that have moved into the money market with a range of financial services. So we can now pick up an Isa along with our underwear.

It all started back in 1985 with the launch of the M&S charge card. Over the past 25 years, M&S Money has expanded and now offers a broad range of products from personal loans, to Isas, to pet insurance.

In November, the business became part of the HSBC Group, but it continues to operate under the M&S Money brand, which is so familiar to millions of customers.

One of the most popular products is the M&S credit card, which allows you to buy now and pay later for your shopping. And it is not just valid in M&S stores. It carries the Mastercard logo so is accepted in all sorts of outlets all over the world.

One of the big attractions of the M&S credit card is the rewards on offer. Cardholders earn 1 point for every £1 they spend in an M&S store and 1 point for every £2 they spend elsewhere. So, if you buy supper for friends at M&S and spend £10, you would earn 10 points. But if you spent £10 on fuel at a local garage, you would earn 5 points.

M&S converts the points into rewards three times a year – and for every 100 points you get a £1 reward voucher that you can spend in an M&S store. If you like to shop in Marks & Spencer, the rewards are a great way to help your money stretch further.

Shoppers will also like the latest offer from M&S. If you spend on the card there is no interest to pay on purchases for 15 months, one of the best deals around. And if you organise your payments so that you clear any balance by the end of the 0% period, you can really make your money work hard. The card basically allows you to borrow money for free.

The typical standard APR is 15.9%, which stands up well against its competitors. Customers who pay off their balance in full and on time every month can also benefit from up to 55 days interest-free credit.

Anyone who is planning a trip overseas might like to know that there are no cash advance or foreign exchange fees if you buy M&S Travel Money with the card.

There is no special offer on balance transfers, so the M&S credit card will appeal more to people who want to make purchases with their credit card, especially if they like to shop in Marks & Spencer.

You can compare the various feature and benefits of the card – and apply online – using MoneySupermarket’s comparison service.

Glossary of terms

APR

This stands for Annual Percentage Rate. Any firm that lends money is required by law to quote the APR. Introductory rates do not include arrangement fees you may be charged and also don’t reflect any higher rate of interest that your borrowings will ultimately revert to. The APR takes into account the interest on a loan plus and additional charges making it easier for you to compare products. In general, the lower the APR the better the deal.

Balance Transfer

Balance transfer rates are applied to existing card debt that is being moved from one issuer to another or a consolidation of other debts. These rates tend to be lower than standard rates and apply to the debt transferred or consolidated for a specified term or until it is repaid in full.

Credit Card

Credit cards are a form of borrowing used to purchase goods and services, to obtain cash advances and for consolidating debt.

Direct Debit

This allows an organisation to take money directly from a persons bank account

Minimum payment

The amount you must pay each month to keep your account in order

Interest-free period

The time between when you buy something on the card and the date when you must pay your monthly bill. This can be 50 days or more and is interest-free. So if you settle your bill in full every month, it's free borrowing.

Promotional Rate

A rate that is applied to your account until a given expiry date. Thereafter it will revert to the rate applicable to your account at that time.

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Marks & Spencer Credit Cards

Pay no interest on Shopping for 15 months

Compare every Marks & Spencer credit card

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M&S Credit Cards

Glossary of terms

APR

Balance Transfer

Credit Card

Direct Debit

Minimum payment

Interest-free period

Promotional Rate

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