M&S Credit Card

Full product details for the M&S Credit Card, including card details, application criteria, introductory rates, standard rates, benefits, fees & charges and business credit cards.
from 84 ratings
84 customers rated their M&S credit card as 4.2 out of 5 in our 2010/2011 Consumer Finance Awards.
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All Credit Cards0% Balance Transfers
0% PurchasesCashback & Rewards
Low Standard APR

M&S Credit Card Features & Benefits

Representative ExampleThe annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Intro Purchase Rate0%0.0% APR during introductory period.
Intro Purchase Duration15 monthsIntroductory purchase rate applies for 15 months.
Minimum Age18 yearsMinimum age for applicants is 18 years.
Minimum Income£0There is no minimum income required.
Annual Fee£0There is no annual fee.
Representative APR15.9%Representative APR is 15.9%.
Cashback & Rewards Credit Cardyes 
International Charges2.99%Transactions made in foreign currencies within Europe are charged a 2.99% fee.
Air MilesnoThere is no travel reward programme available.
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Very easy to understand and no jargon.
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Compare M&S Credit Card With These Credit Cards

Clydesdale Bank Gold MasterCard

  • A yearly fee of £0 is offered by Clydesdale Bank.
  • You take advantage of 3 months introductory purchase duration from the credit card.
  • Customers will get unlimited max intro balance transfer fee.
  • Enjoy an initial balance transfer rate of 0 percent from this credit card.
  • £3 minimum introductory balance transfer fee is available to you.
  • Cash loan rate of 27.9 percent is available to applicants.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

First Direct Visa Credit Card (Black)

  • Have the benefit of a minimum introductory balance transfer fee of £5.
  • Applicants get 1.53 percent monthly purchase intro rate from First Direct.
  • £0 yearly fee is offered to new customers.
  • Representative Example: The annual purchase rate is 20% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).

House of Fraser Recognition MasterCard

  • 1.524 percent monthly balance transfer rate is offered.
  • 28.4 percent cash loan rate.
  • Applicants get 6 weeks introductory balance transfer window from House of Fraser.
  • Customers get limitless maximum intro balance transfer fee from House of Fraser.
  • Applicants get introductory balance transfer fee of 2.99%.
  • Get 0 percent monthly balance transfer intro rate from House of Fraser.
  • Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).

Post Office Platinum Card

  • 3 months initial balance transfer window is offered.
  • Get a monthly balance transfer intro rate of 0 percent from this Platinum Card.
  • This credit card gives an introductory purchase duration of 3 months.
  • Have the benefit of a yearly fee of £0.
  • Applicants get 0 percent monthly purchase intro rate from this Platinum Card.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

MBNA PDSA Credit Card

  • Introductory balance transfer duration of 12 months is offered with this credit card.
  • Enjoy free statement copies with this PDSA Credit Card.
  • This credit card offers a mthly purchase intro rate of 0%.
  • MBNA gives minimum bal transfer fee of £3.
  • You get 0% monthly balance transfer intro rate.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

HSBC Premier Credit Card

  • Take advantage of free statement copies with this Premier Credit Card.
  • Applicants benefit from 9 months intro purchase duration from this Premier Credit Card.
  • HSBC gives standard balance transfer rate of 11.9 percent.
  • New customers get 0.945 percent monthly balance transfer rate from this credit card.
  • Representative Example: The annual purchase rate is 11.9% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).

RBS Platinum Card

  • This credit card offers an unlimited max intro balance transfer fee.
  • Mthly balance transfer rate of 1.385 percent is offered with Platinum Card.
  • 6 months intro purchase duration is available.
  • 3 months intro balance transfer window is offered.
  • Applicants have the benefit of balance transfer fee of 0%.
  • New customers will get std balance transfer rate of 17.9 percent.
  • Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).