M&S Bank Rewards Credit Card
M&S Bank
Annual fee
£0
Rewards rate
1%-0.2%
Welcome Bonus
4,000 points
Apply Now →on M&S Bank's website
Regular APR:23.9%-24.9% APR variable
- 1%Points at M&S
- 0.2%Points elsewhere
Welcome Bonus:
Earn 4,000 bonus points (worth £40 in M&S vouchers) when you spend £1,000 in the first 3 months.
Reward Rate:
Earn 1 point per £1 at M&S and 1 point per £5 elsewhere.
APR:
23.9%-24.9% APR variable
This card excels with its welcome bonus of 4,000 points, allowing new cardholders to quickly earn rewards that can be redeemed for M&S vouchers, making it a great choice for frequent shoppers.
Pros:
- No annual fee
- Generous welcome bonus
Cons:
- Points conversion can be slow
- Higher APR compared to some competitors
The M&S Bank Rewards Credit Card is well-suited for frequent M&S shoppers who can take advantage of the welcome bonus and ongoing rewards structure, particularly those looking for a no-annual-fee option. However, individuals who do not shop at M&S regularly may find the rewards less beneficial compared to other credit cards in the market.