Not just any credit card, it’s an M&S credit card

Marks & Spencer Bank has joined Monva’s credit card panel. Offering balance transfer, rewards and purchases credit cards, you’re sure to be able to find an offer that’s right for you. And with your chance of acceptance shown alongside your results, you can apply for a credit card with confidence without affecting your credit score.

Established in 2012, M&S Bank was built on the foundations of M&S Money. The aim? To bring the trusted M&S brand values to banking. We are excited they have chosen to join us and be part of our credit card comparison service.

M&S Bank's latest credit card offers have something for everyone.


Transfer Plus

Looking to transfer the balance from another credit card? The M&S Transfer Plus credit card offers 0% for balance transfers for a highly competitive 25 months.

Top features:

  • 0% on balance transfers for 25 months, available for 90 days from account opening (2.85% fee applies, minimum £5)
  • Choose digital (paperless) statements and enjoy 1,000 M&S points (worth £10 M&S reward voucher)
  • 0% on shopping for 3 months
  • Earn M&S points every time you shop (although we recommend taking the Shopping Plus card below if you are looking for a 0% purchase offer)


Shopping Plus

A credit card for customers who need more of an all rounder credit card. The M&S Shopping Plus credit card has a longer 0% introductory period for purchases than balance transfers.

What’s more you can earn M&S points on your shopping. For every £1 spent in an M&S store you’ll earn one point. But the rewards don’t stop at M&S stores; for every £5 spent elsewhere you’ll earn one M&S point.

Top features:

  • 0% on shopping for 18 months
  • Choose digital (paperless) statements and enjoy 1,000 M&S points (worth £10 M&S reward voucher).
  • 0% on balance transfers for 16 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
  • Earn M&S points every time you shop
  • Representative 19.9% APR variable


Reward Plus

If you habitually visit M&S stores (online or in person) then maybe the M&S Reward Plus credit card is the product for you. For the first 12 months, you’ll earn two points for every £1 spent at M&S and one point for every £5 you spend elsewhere.

Top features:

  • Double M&S points on all your M&S shopping for the first 12 months
  • Choose digital (paperless) statements and enjoy 1,000 M&S points (worth £10 M&S reward voucher).
  • 0% on shopping for 6 months
  • 0% on balance transfers for 6 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
  • Representative 19.9% APR variable


Before deciding which card is right for you, or if you’re new to credit cards, there are some things you should know before applying. Check out our article what you need to know about credit cards to learn more.
If you’re ready to start your search, simply click below.

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Category: Credit Cards
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