Today we will talk about a credit card that is in the top 10 in the whole of the UK, a credit card that has numerous benefits, has easy approval and can be applied for completely online.
As an M&S branded card, you’ll get the most from the card’s perks if you’re a regular M&S shopper – with loyalty points translating into vouchers to spend in-store or online.
Although you’ll be able to earn points pretty much whenever you use the card, you’ll earn points at a better rate per £1 when you spend with M&S.
If you’re looking for rewards you can redeem elsewhere, you might prefer to check out a more versatile rewards programme or even a cashback credit card.
Marks & Spencer regulars could easily pocket more than £50 worth of M&S vouchers simply by paying things they were going to buy anyway with this rewards credit card.
As the name suggests, the M&S Reward Plus Credit Card (representative APR 19.9%) is suitable for anyone looking to rack up loyalty points with the retailer.
This card ticks a lot of the right boxes to make it a solid overall package. It has a long 22-month 0% period on new purchases coupled with an 22-month 0% period for balance transfers, plus the M&S points rewards program and a welcome points-bonus offer.
There’s not much else you could ask for from a card.
M&S Bank Shopping Plus Credit Card Benefits
M&S Bank Shopping Plus Credit Card is known for its promotional offers. You can enjoy 0% on purchases for the first 20 months of holding your card.
The same rate applies to balance transfers for the same period, but with fees.
This card also lets you enjoy an interest-free period. When you first receive your card, you can get up to 55 days with 0% interest when you pay your balance full and one time every month.
A great thing about this card is that you can earn points for every transaction you make using it. There is 1 point for every £1 spent in M&S.
And you can also get 1 point for every £5 you spend on other establishments or merchants.
You can also get bonus points with this card whenever you make transactions related to food, clothing or home at M&S. You can get 500 points worth £5.
What credit limit will I get with the M&S Bank Shopping Plus Credit Card?
If M&S Bank is able to offer you this deal, the offer will specify a personalised credit limit based on M&S Bank’s assessment of your situation.
The minimum limit offered on this card is £500 and M&S Bank does not specify a maximum. Once you’ve had the card for a while and shown M&S Bank that you’re reliable, you may wish to apply for a credit limit increase.
The card has a long 22-month interest-free period on new purchases. This means that you would not need to pay interest on anything you buy for over a year and a half.
The introductory period is not quite as long as for other cards that specifically cater to the purchases market, but it’s still a decent length of time and is matched by the card’s balance transfer offer.
Interesting card points
Below are the most interesting points about the M&S card.
Rewards: Earn rewards points every time you shop and they’ll be converted into M&S vouchers for you to spend. We’ll give you 1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers. See how your rewards points could add up.
55 days interest free credit: With the M&S Credit Card, you’ll receive up to 55 days’ interest-free credit when you pay your balance in full and on time each month.
Additional cards: You can add an additional cardholder over the age of 18 to your account, so you can both enjoy the same card benefits and earn M&S points on all your shopping.
Online: Manage and monitor your card anytime through Internet Banking and the M&S Banking App.
Secure: Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop.
Sparks: You can also register for Sparks(opens in a new window) to benefit from personalised offers, a charity donation with every purchase and more when you shop at M&S.
To apply for your card, click below.