M&S Transfer Plus Credit Card

Balance Transfer 0% Purchase Rewards & Travel

Key facts
Representative APR	24.9% representative (variable)
0% on purchases	3 months
0% balance transfers	Up to 30 months · transfer fee: 3.49% (min £5)
Annual fee	£0
Foreign transaction fee	—
Cash withdrawal fee	No cash advance fee for M&S Travel Money
Rewards / cashback	M&S Rewards points
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.
Eligibility	Transfers within 90 days

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Source: marksandspencer.com/c/money/credit-card/transfer-plus · Last checked 30 October 2026

Figures are as published by M&S Bank when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.