M&S Bank Shopping Plus Credit Card
- 0% on balance transfers for 24 months
- 0% on purchases for 24 months
- No annual fee
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Pros and cons
- Earn points on day-to-day spending
- Up to 1,000 points introductory bonus
- No annual fee
- A relatively high interest rate on purchases
- Applicants with low credit scores are unlikely to be eligible
- Relatively high balance transfer fee
Other reward cards
Table: sorted by representative APR, promoted deals first
Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
The Arcadia Group? What’s that?
Arcadia Group Ltd. is a British retailing company which owns a number of UK high-street staples (listed below). With over 2,500 stores and employing more than 20,000 staff, it’s often hit the headlines – for both good and bad reasons. As well as Dorothy Perkins, the group includes:
- Miss Selfridge
You can make manual repayments through NewDay Ltd's app, by logging in to your online banking or over the phone (0333 220 2503). Alternatively, you may wish to set up a direct debit.
A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.
You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
How to apply
Sorry – NewDay Ltd is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.
Browse UK retail rewards cards
. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.