- 1%Points earned at M&S
- 0.2%Points earned elsewhere
The M&S Purchase Plus Credit Card focuses on long-term 0% interest rather than a direct, high-value voucher welcome bonus.
Earn 1 point for every £1 spent at M&S and 1 point for every £5 spent elsewhere.
24.9% Variable APR
What sets the M&S Purchase Plus Credit Card apart is its long 0% interest period on purchases for up to 25 months, allowing cardholders to spread the cost of their spending while earning rewards points for future savings at M&S.
Pros:
- 0% interest on purchases for up to 25 months
- Collect M&S Rewards points
Cons:
- No significant welcome bonus
- Limited to M&S for maximum rewards
The M&S Purchase Plus Credit Card may be suitable for individuals looking to finance larger purchases over an extended period without incurring interest charges, particularly those who are regular customers at M&S and can benefit from the rewards points. However, potential users should consider the absence of a welcome bonus and the tiered reward rate when evaluating its overall value.