M&S Bank Shopping Plus Credit Card review January 2020

Last updated:  

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.

Finder rating: ★★★★★

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


Representative APR


Account fee


IssuerM&S Bank
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.

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.

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar products on the market.

We look at the how good the card is for its designated purpose – spending abroad, clearing debt, earning air miles etc. – how costly it is to use day-to-day and whether it offers much in the way of extras. Learn more about our credit card rating methodology.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. 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.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site