M&S Bank
M&S Club Rewards Credit Card
- Rep. APR24.9%
- 0% purchases—
- 0% transfers—
- Annual fee£10/month
- Foreign fee—
M&S Bank credit cards
We track 4 M&S Bank credit cards, covering balance transfer, 0% purchase, rewards & travel cards. Figures are taken from marksandspencer.com.
M&S Bank
M&S Purchase Plus Credit Card
- Rep. APR24.9%
- 0% purchasesUp to 26 months
- 0% transfers6 months3.49% fee
- Annual fee£0
- Foreign fee—
M&S Bank
M&S Rewards Credit Card
- Rep. APR23.9%
- 0% purchases9 months
- 0% transfers9 months
- Annual fee£0
- Foreign fee—
M&S Bank
M&S Transfer Plus Credit Card
- Rep. APR24.9%
- 0% purchases3 months
- 0% transfersUp to 30 months3.49% fee
- Annual fee£0
- Foreign fee—
Guides for M&S Bank cards
Balance transfersWhat Happens When Your 0% Credit Card Deal Ends?
What happens when a 0% balance transfer or purchase deal ends on a UK credit card, what rate applies next, and your options to avoid high interest.
Updated 30 October 2026Rewards & travelUsing a Credit Card Abroad: Fees, Exchange Rates and How to SaveUsing a UK credit card abroad: foreign transaction fees, why to pay in local currency, cash withdrawal costs and how travel cards can help.
Updated 30 October 2026Balance transfersMoney Transfer Credit Cards: How They Work and When to Use OneHow UK money transfer credit cards work, what they cost, how they compare with balance transfers and loans, and the risks to watch for.
Updated 30 October 2026