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Marks & Spencer Credit Card

The Marks & Spencer Credit Card is promoted by Marks and Spencer, provided by MasterCard and has a representative APR of 15.9%. Compare all Marks and Spencer Credit Cards or apply for the Marks & Spencer Credit Card now.

Card Details

Card Issuer Credit card issuer	N/A
Merchant Network The Card network the card belongs to	MasterCard
Card Limit Maximum upper balance limit for card spending	The maximum credit limit is subject to status.

Acceptance Criteria

Min Age Minimum age for applicants	18 Years
Min Income Minimum income required for applicants	There is no minimum income required.
Credit Rating Credit rating required for successful application of card	Prime

Introductory Balance Transfer Details

Intro Balance Transfer Rate Annual equivalent rate charged on balance transfers for the introductory period	N/A
Duration of Intro Balance Transfer Rate Duration of balance transfer rate for introductory period	N/A
Balance Transfer Limit Maximum upper limit for balance transfers to card	Subject to Status
Intro Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred during the introductory period	There is no fee
Intro Min Balance Transfer Fee Minimum fee for transferring a balance during the introductory period	There is no fee
Intro Max Balance Transfer Fee Maximum fee for transferring a balance during the introductory period	There is no fee
Intro Balance Transfer Window Days The number of days from when the introductory balance window begins that you have to transfer your balance.	No introductory balance transfer available.
Intro Balance Transfer Window Weeks The number of weeks from when the introductory balance window begins that you have to transfer your balance.	No introductory balance transfer available.
Intro Balance Transfer Window Months The number of months from when the introductory balance window begins that you have to transfer your balance.	No introductory balance transfer available.

Introductory Purchase Rate Details

Intro Purchase Rate Annual equivalent rate on card purchases during the introductory period	N/A
Duration of Intro Purchase Rate Duration period for introductory purchase rate	15 Months

Standard Rates

APR Representative (Variable) Annual Percentage Rate Typical (Variable) - this figure considers both the annual interest charged on purchases and any annual fees	15.9%
Purchase Rate Annual equivalent rate for purchases	15.9%
Balance Transfer Rate Rate charged on card palance as an annual equivalent percentage after any introductory period ends	15.9%
Cash Advance Rate Rate charged on cash advances as an annual equivalent percentage	23.9%

Benefits

Cash-Back Reward Cash-back reward for spending	Not applicable.
Air Miles Airmiles travel reward scheme available	There is no travel reward programme available.
Shopping Reward Program Shopping reward scheme available	No shopping reward program available.
Points Scheme Points reward scheme available	M&S Rewards:1 point is earned for every £1 spend at M&S.1 point is earned for every £2 spend elsewhere.Bonus Points:Double or triple points available when the card is used to purchase food, clothes, or homeware.500 bonus points the first time the cardholder shops at M&S online.1,000 bonus points if the cardholder takes out M&S Car Insurance.1,000 bonus points if the cardholder takes out M&S Home Insurance.250 bonus points if the cardholder takes out M&S Pet Insurance.M&S Premium Club members receive 3 points for every £1 spend in M&S as well as other benefits, for the price of £10 per month for the initial 12 months.Redemption:Four times a year, points are exchanged for M&S Reward Vouchers to be spent in-store, at a rate of 100 M&S points = £1 M&S Reward Voucher.
Other Incentives Additional card incentives available	N/A
Charity Affiliation Affiliations to any charities for card spending	This is not a Charity Affiliation account.

Cashback Scheme Details

Introductory bonus on Cash-Back Cash-back bonus on introductory period.	Not applicable.
Max Spend that earns Cash-Back Where a cash back reward scheme is active, the maximum amout of spending permitted to earn cash back.	Not applicable.

Fees and Terms

Interest Free Period Number of days for interest free period	Up to 55 days interest free period.
Min Payment Minimum monthly payment required as a percentage of that month's total bill	N/A
Min Payment Minimum monthly payment required if any balance is outstanding	£5
Annual Fee Annual fee for card	There is no annual fee.
Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred outside of any introductory period	2.9%
Min Balance Transfer Fee Minimum fee for transferring balance	£5
Max Balance Transfer Fee Maximum fee for transferring balance	No Limit
Cash Advance Charge Charges for a cash advance as a percentage of the cash advance amount	A handling fee of 2.99% will be charged on the amount of any cash advance.
International Charges Charges for overseas transactions on card as a percentage of transaction	Transactions made in foreign currencies within Europe are charged a 2.99% fee.
Order of Repayments The order in which the various different types of credit are repayed when you pay over your monthly balance	If the cardholder does not pay the statement balance in full on the payment date, payments will be allocated in the following order:Cash AdvancesPurchasesBalance TransfersFees and chargesIn each category the interest, insurance premiums and other charges and fees are paid first followed by the remainder of the balance.

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