M&S Shopping Plus Offer credit card review

2 min Read Published: 18 Jan 2024
M&S Bank credit cardIn this article, we review the M&S Shopping Plus Offer credit card, which offers a competitive interest-free period on balance transfers and purchases.

Key facts about M&S Shopping Plus Offer credit card

  • Best for: Regular shoppers at M&S
  • Introductory offer: 0% interest for 18 months on purchases and 15 months on balance transfers (transfer must be completed within 90 days of opening the account)
  • Representative APR: 23.9% variable
  • Fees: 2.99% on balance transfers (minimum £5)
  • Perks: Earn 1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points can be redeemed for £1 in M&S vouchers.

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Pros of the M&S Shopping Plus Offer credit card

  • Card offers a long interest-free period for those who are looking to reduce an existing debt but still need to make additional purchases
  • APR after the introductory period is competitive
  • You can add an additional cardholder (over the age of 18), which can help maximise the number of M&S points you accumulate

Cons of the M&S Shopping Plus Offer credit card

  • Rewards are only really attractive to those who regularly shop at M&S
  • Cardholders are not permitted to transfer the balance from cards issued by HSBC, including other credit cards from M&S Bank or any from First Direct
  • M&S points cannot be earned from balance transfers, cash advances or withdrawals, interest charges, M&S Travel Money, foreign currency or M&S reward vouchers

How to manage your payments on M&S Shopping Plus Offer credit card

M&S Bank offers online banking where you can monitor your balance, pay your bills, and keep track of your M&S points.

How to find out which credit card is best for you

Money to the Masses has partnered with Creditec* to help find the best credit card for you. By entering a few basic details, you will be able to see a tailored list of the best credit cards based on your individual circumstances. You can sort your results by the feature that interests you most, such as by card type, total fees or cashback offered. On top of this, the credit cards that have been pre-approved for you will be highlighted, meaning you can be more confident that you will be accepted if you apply. (Pre-approval does not guarantee acceptance and is still subject to additional lender checks). Your details will be used to conduct a soft credit search often referred to as an eligibility check, which means your credit score will not be affected. Click on this link to get started*.

How to apply for the M&S Shopping Plus Offer credit card

Unlike some providers, M&S Bank does not have an eligibility checker, so make sure you read through the lending criteria and check your eligibility for other cards before you complete the online application. The application process is estimated to take approximately 7 minutes.

Alternatives to the M&S Shopping Plus Offer credit card



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