- 1%Points on spending at M&S
- 0.2%Points on spending elsewhere
£5 in M&S vouchers for every £100 spent within the first six months.
Collect 1 point for every £1 spent in M&S and 1 point for every £5 spent elsewhere.
24.9% Variable APR
What sets the M&S Bank Purchase Plus Credit Card apart is its generous 0% interest on purchases for up to 25 months, making it a strong choice for those looking to manage their spending without interest. Additionally, cardholders can earn M&S points on their purchases, which can be converted into vouchers, enhancing the overall value of the card.
Pros:
- 0% interest on purchases for 25 months
- Collect points for M&S vouchers
Cons:
- Limited rewards outside M&S
- Balance transfer fee applies
The M&S Bank Purchase Plus Credit Card may be particularly suitable for consumers who plan to make significant purchases and prefer to pay them off over an extended period without incurring interest, thanks to its lengthy 0% introductory period. Additionally, those who frequently shop at M&S can benefit from earning points towards vouchers, making it a practical option for reward-seeking users.