The M&S Purchase Plus Offer Credit Card is designed for UK shoppers who want to make everyday spending more manageable while earning rewards. With a 0% interest period on purchases for up to 24 months, it allows you to spread the cost of larger buys or essentials without paying extra interest. In addition, you benefit from 0% interest on balance transfers for up to 12 months (when completed within 90 days of account opening), giving you the flexibility to consolidate existing debt. A 3.49% fee (minimum £5) applies to balance transfers.
This card also comes with a rewards programme, allowing you to collect M&S points with every spend — 1 point for every £1 spent in M&S and 1 point for every £5 spent elsewhere. These points are then converted into M&S vouchers that can be redeemed in-store or online. With no annual fee, up to 55 days of interest-free credit (when paying your balance in full and on time), and the backing of the Mastercard network, the M&S Purchase Plus Card blends affordability with tangible rewards.
Benefits of the M&S Purchase Plus
1. 0% on Purchases for 24 Months
Spread the cost of larger purchases with up to 24 months interest-free shopping, making it easier to budget.
2. 0% on Balance Transfers
Enjoy 12 months of 0% interest on balance transfers, provided they are completed within the first 90 days.
3. Competitive Rewards Programme
Earn 1 point per £1 spent in M&S and 1 point per £5 spent elsewhere, redeemable as M&S vouchers.
4. No Annual Fee
This card comes with no account fee, keeping your costs down year after year.
5. Interest-Free Credit Period
Benefit from up to 55 days interest-free credit when you clear your balance in full and on time each month.
6. Add an Additional Cardholder
You can add an additional cardholder over 18, allowing you to pool points and manage household spending more effectively.
7. Flexible Account Management
Manage your account online or through the M&S Banking app, making it easy to track spending, payments and points.
8. Mastercard Global Acceptance
Use the card anywhere Mastercard is accepted, both in the UK and abroad.
9. Secure Shopping
Shop with confidence thanks to purchase protection, fraud monitoring and secure online payments.
10. Balance Consolidation
Use the balance transfer option to combine multiple credit card balances into one manageable account.
11. Regular Reward Vouchers
Your points are automatically turned into vouchers, sent regularly, which can be used for shopping at M&S.
12. Backed by M&S Bank
Enjoy the security and customer service associated with a trusted UK high street brand.
Who Can Apply for the M&S Purchase Plus Card?
To apply, you must:
- Be at least 18 years old.
- Be a UK resident.
- Have a good credit history.
- Pass affordability and credit assessments.
- Complete the balance transfer within 90 days to qualify for the 0% offer.
How to Apply
- Visit the M&S Bank website and select the Purchase Plus Offer.
- Review the card’s terms, APR and promotional periods.
- Use the eligibility checker to confirm your likelihood of approval without affecting your credit score.
- Complete the secure application form with your personal and financial details.
- Submit your application and receive a decision, often instantly.
- Once approved, activate your card and begin using it to earn points and enjoy interest-free spending.
Frequently Asked Questions
1. How long is the 0% purchase offer?
Up to 24 months interest-free on purchases.
2. How long is the 0% balance transfer offer?
Up to 12 months interest-free on balance transfers (completed within 90 days).
3. What is the balance transfer fee?
A fee of 3.49% applies, with a minimum of £5.
4. Is there an annual fee?
No, the card comes with no annual fee.
5. What rewards does the card offer?
You earn 1 point per £1 at M&S and 1 point per £5 elsewhere, converted into vouchers.
6. What is the APR after the 0% periods?
The representative APR is 24.9% variable.
7. How do I redeem my points?
Points are automatically converted into M&S vouchers and sent to you regularly.
8. Can I add an additional cardholder?
Yes, for anyone over 18.
