Earn M&S points while you spend with the most rewarding card available from M&S Bank.
The M&S Bank Reward Plus Credit Card is designed to reward you every time you use it, and not surprisingly, if you’re already a regular customer, you’ll stand to benefit more than most. If you currently carry an outstanding balance on another card, don’t worry – that needn’t stop you switching, as you can enjoy a 0% interest period on balance transfers.
This card is issued on the Mastercard network, meaning it can be used at more than 35 million merchants and ATMs worldwide.
|Incentive||Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.|
|Incentive on opening||2000 Loyalty points worth £20 on first spend within 90 days. 500 points on opening worth £5.|
|Additional Rewards Info||No cash advance fee & 55 days interest free when buying M&S Travel Money with the card, with free home delivery when purchasing £500 in currency or more. Preferential rates on Travel Money for M&S Credit Card customers purchasing from M&S Bureaux. 54 currencies available. Opt-in to Premium Club for £10 pm to receive triple points on M&S purchases, 48 hot drinks vouchers worth £129 pa, £45 worth of Treats and Delights vouchers pq, a birthday gift worth £10, exclusive rewards, offers and discounts.|
|Purchases||0% for 6 months reverting to 19.9%|
|Purchases interest-free period (days)||55|
|Balance transfers||0% for 6 months reverting to 19.9%|
|Balance transfer fee||2.9% (min. £5)|
|Foreign usage charge (EU)||2.99%|
|Foreign usage charge (rest of world)||2.99%|
|Cash advance fee||2.99% (min. £3)|
|Late payment fee||£12|
|Duplicate statement fee||£5|
|Exceeding limit fee||£12|
|Additional card fee||£0|
|Availability||Available to new customers|
|Additional Criteria||Must not have held a credit card with M&S Bank within the previous 12 months|
Pros and cons
- Earn reward points faster with additional cardholders
- An "all-rounder" – allowing you to earn rewards, transfer a balance and spread the cost of forthcoming purchases
- Enjoy tailor-made offers and priority access to new-season previews and sales
- The rewards offered by this card are not surprisingly heavily-biased towards shopping at M&S – when shopping elsewhere the rewards may disappoint
How does this card compare with similar products on the market?
When it comes to repayments, you can make manual repayments online or over the phone (0800 997996), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee 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:
|Minimum amount||Fixed amount||Fixed percentage||Full amount|
How to apply for the M&S Bank Reward Plus Mastercard
If you want to earn M&S points while you spend with this card, just click on the “Go to Site” button and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need so that you can make this process as easy as possible.