Annual fee
£0
Rewards rate
1%-0.2%
Welcome Bonus
0% interest on purchases for up to 25 months.
Apply Now →on M&S Bank's website
Regular APR:24.9% Variable APR
- 1%Points for spending in M&S
- 0.2%Points for spending elsewhere
Welcome Bonus:
0% interest on purchases for up to 25 months.
Reward Rate:
1 point for every £1 spent in M&S and 1 point for every £5 spent elsewhere.
APR:
24.9% Variable APR
This card is ideal for those who frequently shop at M&S, offering a long interest-free period while allowing you to earn rewards on your purchases.
Pros:
- Long 0% interest period on purchases
- Collect points on spending
Cons:
- Higher APR after promotional period
- Limited rewards on non-M&S spending
The M&S Bank Credit Card Purchase Plus is well-suited for consumers who regularly shop at M&S and prefer an interest-free period on their purchases, while earning modest rewards on their spending. However, those seeking a card with a significant welcome bonus or higher reward rates may want to explore other options.