M&S Bank Shopping Plus Credit Card review September 2020

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Earn M&S points as you shop while organising your finances with this rewarding interest-free deal.

This versatile all-rounder from M&S gives you a lengthy break from interest on both purchases and balance transfers, and even earns rewards on your spending.

You say: ★★★★★We say: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

20 months

0% interest on balance transfers

20 months

0% interest on purchases

19.9%

Representative APR

£0

Account fee

Details

IssuerM&S Bank
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 20 months reverting to 19.9%
Balance transfer fee2.9% (min. £5)
Purchases0% for 20 months reverting to 19.9%
Purchases interest-free periodUp to 55 days
Cash advances23.9%
Min credit limit£500
Max credit limitNot specified
Additional cards available1
IncentiveEarn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Whether you’re looking to spread the cost of an upcoming purchase, transfer existing card debt to save on interest or to earn rewards from your day-to-day- spending (or any combination of the above, for that matter) this card fits the bill.

As an M&S branded card, you’ll get the most from the card’s perks if you’re a regular M&S shopper – with loyalty points translating into vouchers to spend in-store or online. Although you’ll be able to earn points pretty much whenever you use the card, you’ll earn points at a better rate per £1 when you spend with M&S. If you’re looking for rewards you can redeem elsewhere, you might prefer to check out a more versatile rewards programme or even a cashback credit card.

Don’t forget, it’s free to add an additional cardholder, and doing so could help earn loyalty points faster. You’ll be solely responsible for all spending on the account, regardless of which card was used, since credit cards cannot be held jointly.

How does this card compare with other similar cards on the market?

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Link
M&S Bank Reward Plus Mastercard
2,500 points
2 points per £1 spent
1 point per £5 spent
£0
19.9% (variable)
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 for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
More Info
M&S Bank Shopping Plus Mastercard
500 points
1 point per £1 spent
1 point per £5 spent
£0
19.9% (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
More Info
American Express Rewards Credit Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.2% (variable)
As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
Go to site
More Info
American Express Platinum Cashback Everyday Card
£100
1% cashback
1% cashback
£0
22.2% (variable)
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
Go to site
More Info
British Airways American Express Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.2% (variable)
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
Go to site
More Info
The American Express Nectar Credit Card
20,000 points
2 points per £1 spent
2 points per £1 spent
Year 1 - £0, Year 2 onwards - £25 per annum
27.3% (variable)
As a new Cardmember, earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 27.3% APR (variable).
Go to site
More Info
American Express Platinum Cashback Card
£125
1.25% cashback
1.25% cashback
£25 per annum
27.3% (variable)
As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £25 per annum, your representative rate is 27.3% APR (variable).
Go to site
More Info
The Marriott Bonvoy American Express Card
20,000 points
6 points per £1 spent
2 points per £1 spent
£75 per annum
38.8% (variable)
As a new Cardmember earn 20,000 points bonus when you spend £3,000 in the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £75 per annum, your representative rate is 38.8% APR (variable).
Go to site
More Info
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Approval for any credit card will depend on your status. The APR shown represents 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.

Repayment options

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 Shopping Plus offer

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

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3 Comments

  1. Default Gravatar
    JEAN
    February 18, 2020

    I already hold an M&S credit card always pay my balance in full but I have house renevations to complete. Can I apply for the 20 month interest free card instead

    • Avatarfinder Customer Care
      Tom
      February 19, 2020

      Hi Jean,

      Thanks for your question. Unfortunately the M&S 20-month 0% interest credit card is only available to new customers, and not existing M&S credit card holders. However, you can compare a range of other balance transfer cards that will give you a long interest-free period here.

      I hope this helps, but please let me know if you have any other questions.

      Regards,

      Tom

  2. Avatarfinder Customer Care
    Chris
    January 3, 2020

    Hi Nelle,

    Thanks for your question. Unfortunately M&S Bank credit card accounts can’t be used to pay off or settle a loan account. You may wish to consider a money transfer credit card. These allow cardholders to transfer funds from the credit card to another account.

    I hope this helps, but please let me know if you have any other questions.

    Regards,
    Chris

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