Annual fee
£0
Rewards rate
1%-0.1%
Welcome Bonus
£40
Apply Now →on M&S's website
Regular APR:24.9% Variable APR
- 1%Points earned at M&S
- 0.2%Points earned elsewhere
Welcome Bonus:
New users may also get a £40 (~4,000 points) voucher bonus.
Reward Rate:
Earn 1 point per £1 spent at M&S and 1 point per £5 spent elsewhere.
APR:
24.9% Variable APR
This card shines for its long 0% interest period on purchases, making it an excellent choice for those looking to manage their spending without incurring interest while still earning rewards on their purchases.
Pros:
- 0% interest on purchases for 25 months
- No annual fee
Cons:
- Limited rewards outside M&S
- Standard points earning
The M&S Purchase Plus credit card is well-suited for individuals seeking to finance larger purchases without interest for an extended period while earning rewards on their spending. With no annual fee and a welcome bonus, it may appeal to those who prioritize managing cash flow and maximizing benefits from everyday transactions.