Full product details for the M&S Bank M&S Credit Card, including card details, application criteria, introductory rates, standard rates, benefits, fees & charges and business credit cards.
from 23 ratings
23 customers rated their M&S Bank credit card as 4.4 out of 5 in our Consumer Finance Awards and Reviews.
The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Intro Balance Transfer Rate
0%
0.0
Intro Balance Transfer Duration
12 months
12
Intro Balance Transfer Window
60 days
60
Intro Balance Transfer Fee
2.9%
The intro balance transfer fee for this product is 2.9%
Intro Purchase Rate
0%
0.0
Intro Purchase Duration
15 months
15
Minimum Age
18 years
18
Minimum Income
£0
0
Annual Fee
£0
There is no annual fee.
Representative APR
16.9%
Representative APR is 16.9%.
Cashback & Rewards Credit Card
yes
International Charges
2.99%
2.99
Air Miles
no
Application Criteria
Permanent UK Resident
yes
This product is only available to individuals who are permanent UK residents.
Existing Customers Only
no
Minimum Age
18 years
18
Minimum Income
£0
0
Credit Rating
good
Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.
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Very easy to understand and no jargon.
A Lesser
Helpful and useful information.
Karen
You've helped me manage my finances through the toughest time also allowing me to have a little fun for half the cost xxxx
Lisa L.
Can I just say how much I appreciate your emails keeping people informed. I read and digest avidly.
Anne C.
I love this site, got some great deals yesterday...
Shelley J. from Brighton
This site got me a great deal on a london hotel stay for January 2012.
Wendy
Well explained in a language that even i can understand. A helpful warning for the future.
Great site, very informative!
Bev
Keeps one in touch with the latest new offers
John R.
Valuable and upto date relevant info, thank you very much.
Jennifer
Compare M&S Bank M&S Credit Card With These Credit Cards
New customers can get monthly purchase intro rate of 0 percent.
Minimum money back rate of 0.5%.
This credit card has a 27.9 percent cash advance rate.
Representative Example: If you spend £1,500 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).