M&S Bank credit cards

M&S Bank launched in late 2012, built on the foundations of M&S Money which provided a range of financial products for over 25 years. The bank offers the M&S Credit Card, personal loans, savings and investments products, and a range of different insurance services.

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2014 award winner 0% balance transfer 0% purchase reward
M&S Credit Card

M&S Credit Card

  • 15 months 0% on purchases
  • 12 months 0% on balance transfers (2.9% fee)
  • 1 M&S point for every £1 spent
  • 500 M&S points voucher worth £5 for select M&S spending
more info
12 months 0% interest on transfers
2.9% transfer fee
15 months 0% interest on purchases
16.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your representative APR is 16.9% APR (variable).

M&S Bank credit cards

The main attraction of M&S credit products is that they're linked to M&S points which you can use for shopping. You get points whenever you spend on your M&S credit card, as well as getting bonus points and vouchers when you spend in M&S shops on your M&S credit card. The M&S credit card is offered by M&S Money, the financial services division of Marks and Spencer. The origins of M&S offering financial products is the M&S Chargecard, launched in 1985 by St Michael Financial Services of Chester, which then became Marks and Spencer Financial Services Limited in 1988. Over the years M&S unveiled personal loans, ISAs, insurance and pensions. The first M&S credit card was launched in 2003.

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this credit card comparison service with information provided by Moneyfacts.co.uk who are authorised and regulated by the Financial Conduct Authority (FSA FRN 486048).

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