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Marks and Spencer Credit Cards

About Marks and Spencer

If you have a good credit rating and are a regular Marks & Spencer customer, then the supermarket’s credit cards are worth checking out. M&S is well regarded within the financial industry, and it’s cards offer account holders points back on every pound they spend (and extra incentives for spending at M&S). Further perks, such as commission-free travel money and competitive balance transfer rates, make the provider a serious player.

Credit Cards	Purchases	Balance Transfers	APR Representative (Variable)	Rewards
	M&S Credit Card	0^% 15 months	n/a	15.9^%	Shopping
Representative Example: The annual purchase rate is 15.9% p.a (variable) so if you spend £1200 your representative apr will be 15.9% p.a (variable)
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Credit Cards

Purchases

Balance Transfers

APR Representative (Variable)

Rewards

M&S Credit Card

0^%
15 months

n/a

15.9^%

Shopping

Representative Example: The annual purchase rate is 15.9% p.a (variable) so if you spend £1200 your representative apr will be 15.9% p.a (variable)

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You may also want to consider...

Credit Cards		Purchases	Balance Transfers	APR Representative (Variable)	Rewards
	Barclaycard Platinum with BT (26 Mths) 0.0% for 0^% 6 months months on Purchases 0.0% on Balance Transfers	0^% 6 months	0^% 26 months 3.5% fee	18.9^%	Barclaycard Unwind
Representative Example: The annual purchase rate is 18.9% p.a (variable) so if you spend £1200 your representative apr will be 18.9% p.a (variable)
	Tesco ClubCard Purchases Credit Card Earn ClubCard Points 0.0% for 13 months on Purchases 0.0% for 9 months on Balance Transfers Minimum Age 18 Minimum Income £5,000	0^% 16 months	0^% 9 months 2.9% fee	16.9^%	Clubcard Shopping
Representative Example: The annual purchase rate is 16.9% p.a (variable) so if you spend £1200 your representative apr will be 16.9% p.a (variable)
	Barclaycard Freedom Rewards	n/a	0^% 9 months 2.9% fee	18.9^%	Rewards, Shopping
Representative Example: The annual purchase rate is 18.9% p.a (variable) so if you spend £1200 your representative apr will be 18.9% p.a (variable)
	Capital One Classic Card No Annual Fee Ideal for building your credit rating You need to be over 18. You need to have some history of managing your credit even if you have had CCJs or defaults in the past. You are on the electoral roll.	n/a	n/a	34.9^%	No Rewards
Representative Example: The annual purchase rate is 34.9% p.a (variable) so if you spend £1200 your representative apr will be 34.9% p.a (variable)
	Virgin Atlantic White Card Account You need to be over 18. You do not have any recent credit defaults (CCJs, current arrears or missed payments). You are a resident in the UK and can prove residential addresses for the past two years. You have a Bank or Building Society account. You are currently employed.	n/a	0^% 6 months 2% fee	17.9^%	Flying Club Miles
Representative Example: The annual purchase rate is 17.9% p.a (variable) so if you spend £1200 your representative apr will be 17.9% p.a (variable)
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Marks and Spencer News

M&S carries out contactless payment trials

Contactless payment takes another step towards universal adoption on the high street.
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Marks & Spencer launch banking service

Marks & Spencer (M&S) is launching a new banking service
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