{"id":58842,"date":"2017-11-27T16:24:52","date_gmt":"2017-11-27T16:24:52","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=58842"},"modified":"2026-04-10T10:22:58","modified_gmt":"2026-04-10T09:22:58","slug":"marks-and-spencer","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer","title":{"rendered":"Compare M&#038;S credit card offers for 2026"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo .luna-stars { aspect-ratio: 1 !important; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; animation-delay: -0.24s; }\n.lds-facebook div:nth-child(2) { left: 32px; animation-delay: -0.12s; }\n.lds-facebook div:nth-child(3) { left: 56px; animation-delay: 0; }\n@keyframes lds-facebook { 0% { top: 8px; height: 64px; } 50%, 100% { top: 24px; height: 32px; } }\n<\/style>\n\n\n\n<div id=\"user-review-promo\">\n<div id=\"user-review-promo-content\">\n<div id=\"user-review-promo-close\" style=\"display: none\">x<\/div>\n\n<div id=\"review-loader\" class=\"lds-facebook\"><div><\/div><div><\/div><div><\/div><\/div>\n\n<div id=\"user-review-promo-core\">\n<img decoding=\"async\" id=\"user-review-promo-img\" alt=\"alt\" src=\"\" style=\"max-width: 200px;\" loading=\"lazy\">\n<p class=\"u-italic text-xxx-large\">Leave a review<\/p>\n<p id=\"user-review-promo-copy\" class=\"u-border--b u-border--normal u-border--solid has-padding-bottom-small\"><\/p>\n\n<div id=\"user-review-promo-element\" class=\"has-margin-small\">\n<div id=\"user-review-promo-rating\">\n<div id=\"user-review-promo-rating-copy\"><\/div>\n<div id=\"user-review-promo-rating-stars\">\n<span id=\"star1\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"5\">\u2605<\/span>\n<span id=\"star2\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"4\">\u2605<\/span>\n<span id=\"star3\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"3\">\u2605<\/span>\n<span id=\"star4\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"2\">\u2605<\/span>\n<span id=\"star5\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"1\">\u2605<\/span>\n<\/div>\n<\/div>\n<div id=\"user-review-promo-review\">\n<p class=\"has-margin-bottom-xsmall\">Your review<\/p>\n<p id=\"user-review-promo-review-description\" style=\"font-size: .8em;\"><\/p>\n<textarea id=\"user-review-promo-review-text\" class=\"luna-input review\" style=\"width: 100%; min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3100!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.marksandspencer.com\/c\/bank\" class=\"luna-button luna-button--primary\">Return to M&amp;S Bank<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate M&S Bank credit cards?\");\n$(\"#user-review-promo-copy\").html(\"Used M&S Bank credit cards? Share your view on Finder to help others make a great choice, and you could win \" + '&pound;100!');\n$(\"#user-review-promo-review-description\").html(\"Tell us about your experience with M&S Bank credit cards. What did you like or dislike? What are the pros and cons? What should other people know?\");\n\n\n\n\nvar prvdrimg = '';\nif ( $(\".compare-logo\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".compare-logo\").data(\"src\"));\n} else if ( $(\".standardMasthead__image\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".standardMasthead__image img\").attr(\"src\"));\n} else if ( $(\".creditCardMasthead__picture_wrapper img\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".creditCardMasthead__picture_wrapper img\").attr(\"src\"));\n} else if ( $(\".product-card__image-wrapper img\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".product-card__image-wrapper img\").attr(\"src\"));\n} else if ( prvdrimg.length ) {\n$(\"#user-review-promo-img\").attr(\"src\", prvdrimg);\n} else {\n$(\"#user-review-promo-img\").css(\"display\", \"none\");\n}\n\n\n\n\nif (user_review_step == \"complete\" || sessionData == 1) {\nif (sessionData == 1) { sessionStorage.removeItem(window.location.href.split('?')[0]); }\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\n$(\"#user-review-promo-close\").css(\"display\", \"block\");               \n$(\"#user-review-promo-close\").click(function(){ window.location.href='\/uk\/'; })\n$(\"#user-review-promo-members\").css(\"display\", \"block\");\n$(\"#user-review-promo-members\").css(\"opacity\", \"1\");\nif ( $(\"#user-review-promo-partner-return\").length ) {\n$(\"#user-review-partner-return\").appendTo(\"#user-review-promo-partner-return\");\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\n}           \n}\n\n\n\n\n$(\".reviewstar\").each(function(index) {\n$(this).on(\"click\", function(){\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\nuser_review_rating = $(this).data(\"rating\");\n$(\"#user-review-promo-review\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\nsetTimeout(function() {\n$(\"#user-review-promo-review\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n});\n});\n\n\n\n\n$(\"#user-review-promo-btn\").click(function(){\n\n\nif (user_review_screen == 0) {\nuser_review_screen++;\nuser_review_description = $(\"#user-review-promo-review-text\").val();\n$(\"#user-review-promo-review\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"0\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\n$(\"#user-review-promo-user\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").text(\"Submit\");\nsetTimeout(function() {\n$(\"#user-review-promo-user\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n\n\n} else if (user_review_screen == 1) {\nuser_review_name = $(\"#user-review-promo-name\").val();\nuser_review_email = $(\"#user-review-promo-email\").val();\nif (user_review_email != \"\" && user_review_name != \"\" && isEmail(user_review_email)) {\nuser_review_screen++;\n$(\"#user-review-promo-user\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-members\").css(\"display\", \"block\");                     \nif ( $(\"#user-review-promo-partner-return\").length ) {\n$(\"#user-review-partner-return\").appendTo(\"#user-review-promo-partner-return\");\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\n}\nsetTimeout(function() {\n$(\"#user-review-promo-members\").css(\"opacity\", \"1\");\n}, 1)\npostReview();\n} else {\nif (!isEmail(user_review_email)) {\n$(\"#user-promo-email-field-error\").html(\"Please enter a valid email.\");\n}\n}\n}\n\n});\n\n\n            \n\n\n\n\nfunction postReview() {\nvar requestBody = {\n'displayName': user_review_name,\n'headline': 'User review',\n'review': user_review_description,\n'email': user_review_email,\n'location': user_review_data.countryCode,\n'rating': user_review_rating,\n'shortNicheCode': user_review_data.shortNicheCode,\n'nicheCode': user_review_data.niche,\n'countryCode': user_review_data.countryCode,\n'reviewableName': user_review_data.reviewableName,\n'productApiId': user_review_data.productApiId,\n'reviewableId': user_review_data.reviewableId,\n'entityType': user_review_data.entityType,\n'recordType': user_review_data.recordType,\n'blogId' : user_review_data.blogId\n};\nconsole.log(requestBody);\ntry {\nconst response = fetch(user_review_url, {\nmethod: 'POST',\nheaders: {\n'Accept': 'application\/json',\n'Content-Type': 'application\/json'\n},\nbody: JSON.stringify(requestBody),\n})\n} catch (error) { console.log(error); }\n\n\ntry {\nmembersSdk.getUserNotes().then(notes => {\nconst existingIdsReviewed = notes.filter(note => note.fieldName === 'idsreviewed').reverse()[0]?.value || \"\";\nvar fldval = existingIdsReviewed + user_review_data.productApiId + \",\";\nlet recordUserReview = new CustomEvent(\"SavePrefillValue\", {\ndetail: {\nkey: \"idsreviewed\",\nvalue: fldval,\nisGlobal: true\n}\n});\nwindow.dispatchEvent(recordUserReview);\nvar trackingParams = {};\ntrackingParams.signUpUrl = window.location.href;\ndocument.dispatchEvent(\nnew CustomEvent('ga4.track', {\ndetail: {\nname: \"formSubmitted\",\nparams: {\nformFields: {\n\"eventName\": \"reviewSubmitted\",\n\"niche\": user_review_data.niche,\n\"productId\": user_review_data.productApiId,\n\"productName\": user_review_data.reviewableName,\n\"title\": user_review_name, \n\"text\": user_review_description,\n\"country\": \"uk\",\n\"url\": window.location.href, \n\"rating\": user_review_rating,\n\"reviewableId\": user_review_data.reviewableId,\n\"idsReviewed\": fldval,\n}\n},\n}\n})\n);\n}).catch(error => { console.error('Failed to fetch notes:', error); });\n} catch (error) { console.log('Error during processing:', error); }\n\n\nvar optin = document.getElementById(\"check-1c\").checked;\nif (optin == true) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSignUpPayload(email);\n} else if (optinCheck == 0) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSegmentReviewEventPayload(email);\n}\n\n}\n\n\n\n\n}\n});\n\n\n\n\n\nfunction getSegmentReviewEventPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentReviewEvent(email,trackingParams);\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentReviewEvent(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"formSubmitted\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\nreturn true;\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nvar phoneNumber = '';\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\nreturn true;\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) { return; }\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><h3 id=\"compare\" class=\"no-margin-bottom\">Compare the M&amp;S range of cards<\/h3><div class=\"fin-text-grey text-x-small has-margin-bottom\">Table: sorted by representative APR, promoted deals first<\/div><div class=\"content tableWithFilters\n         topFiltersEnabled\n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"UKCCF\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div id=\"portal-table-top-filters-modal\"><\/div>\n\n<div class=\"contentWrapper tableWithFilters__contentWrapper\">\n    <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\n(function () {\n  const fsniche = \"ukccf\";\n  const getEventToListenTo = () => {\n    if (window.matchMedia('(any-hover:none)').matches) {\n      if (window.matchMedia('(max-width: 450px)').matches) {\n        return \"scroll\";\n      }\n    }\n    return \"DOMContentLoaded\";\n  };\n  const eventToWatch = getEventToListenTo();\n  const waitForLoadOnTheFly = (callback, maxAttempts = 50) => {\n    let attempts = 0;\n    const checkAndExecute = () => {\n      attempts++;\n      if (window.loadOnTheFly && window.loadOnTheFly.html) {\n        callback();\n      } else if (attempts < maxAttempts) {\n        setTimeout(checkAndExecute, 100);\n      } else {\n        console.error('loadOnTheFly.html not available after maximum attempts');\n      }\n    };\n    checkAndExecute();\n  };\n  \/\/ Two tables of the same niche output this script twice; load that niche's modal once.\n  window.finderScoreModalsRequested = window.finderScoreModalsRequested || {};\n  const loadFinderScoreModal = () => {\n    window.removeEventListener(eventToWatch, loadFinderScoreModal);\n    if (window.finderScoreModalsRequested[fsniche]) return;\n    window.finderScoreModalsRequested[fsniche] = true;\n    setTimeout(function () {\n      var partialId = \"\" || 'finder-score-' + fsniche + '-modal-optimized';\n      waitForLoadOnTheFly(() => {\n        window.loadOnTheFly.html('partial', { id: partialId }, function (response) {\n          document.getElementsByTagName(\"body\")[0].appendChild(response);\n          var modal = document.getElementById('finderScoreModal-' + fsniche);\n          var closeButton = modal.querySelector(\"#closeButton\");\n          closeButton.onclick = function () { modal.classList.add(\"elementHidden\"); };\n          var btnReadMethodology = modal.querySelector(\"#btnReadMethodology\");\n          btnReadMethodology.addEventListener(\"click\", function () { modal.classList.add(\"elementHidden\"); });\n          window.addEventListener(\"click\", function (event) {\n            if (event.target == modal) { modal.classList.add(\"elementHidden\"); }\n          });\n        });\n      });\n    }, 1000);\n  };\n  window.addEventListener(eventToWatch, loadFinderScoreModal);\n  window.showFinderScoreModal = window.showFinderScoreModal || function (niche) {\n    var attempts = 0;\n    var existCondition = setInterval(function () {\n      const modalLoaded = document.getElementById('finderScoreModal-' + niche);\n      if (modalLoaded) {\n        clearInterval(existCondition);\n        modalLoaded.classList.remove('elementHidden');\n      } else if (++attempts > 40) {\n        clearInterval(existCondition);\n      }\n    }, 500);\n  };\n})();\n<\/script>\n<div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"ba448e6b-c770-4443-b1bc-8310d7b369db\" data-template=\"comparison\" data-niche=\"UKCCF\" data-site=\"UKCCF\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"newbalancetransfers\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"58842\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"true\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"newbalancetransfers\",\"template\":\"comparison\",\"category_id\":\"ba448e6b-c770-4443-b1bc-8310d7b369db\",\"category_name\":\"marksandspencer\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794057675}' data-disable-alternative-products=\"false\" data-post-redirect-alternative-products-enabled=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"3f6e7a4a-8226-4e6c-8df9-51bc77100dc3\" data-niche-default-path=\"\" data-experiment-flags=\"\"><script type=\"application\/json\" class=\"js-inline-alternative-products\">{\"request\":{\"template\":\"comparison\",\"site\":\"UKCCF\",\"origin\":\"straightforward-niche\",\"category\":\"ba448e6b-c770-4443-b1bc-8310d7b369db\",\"fieldset\":\"newbalancetransfers\",\"post_id\":\"58842\",\"show_user_ratings\":\"false\",\"ratings_type\":\"\",\"ratings_label\":\"\",\"ratings_minimum_threshold\":\"\",\"enable_desktop_mobile_columns\":\"false\",\"coa_enabled\":\"false\",\"coa_enabled_always\":\"false\",\"offset\":\"0\",\"page_size\":\"3\",\"featuredProductId\":\"\",\"mobile_data_layout\":\"grid\",\"full_table\":\"false\",\"disable_alternative_products\":\"false\",\"force_enable_alternative_products\":\"false\",\"sponsored_field_code\":\"DERIVED.AD_RANK\",\"sponsored_max_per_provider\":\"1\",\"override_table_position_configuration\":\"false\",\"includeFullMarket\":\"false\",\"include_inactive\":\"false\",\"remove_coa\":\"true\",\"body_only\":\"true\",\"niche\":\"UKCCF\",\"sponsored_placements\":\"0\"},\"response\":{\"tableId\":\"a008a6acde5a66fc709173736e84bde8e179ec0f994c95a4fa5ab0e676f9dad2\",\"tableRequest\":{\"filter\":null,\"filterObject\":{},\"sponsored\":null,\"sortConfigurations\":[]},\"tableRecordType\":\"product\",\"tableRecordIds\":[\"5d039987-7cff-4771-8609-a861378849ee\",\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\"],\"html\":\"\\u003Ctr data-product-id=\\\"5d039987-7cff-4771-8609-a861378849ee\\\" data-provider-id=\\\"4e74a6fa-abcf-4d98-b648-8a1e8978a789\\\" data-product-name=\\\"M&amp;S Bank Transfer Plus Credit Card\\\" data-provider-name=\\\"M&amp;S Bank\\\" class=\\\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \\\"\\u003E\\n        \\u003Ctd class=\\\"comparison-table__name combined-column-header   f1-clarity-header\\\"\\u003E\\n                                                          \\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-transfer-plus-mastercard\\\" data-component-id=\\\"1003\\\" data-component-version=\\\"1\\\"\\u003E\\u003Cimg border=\\\"0\\\" src=\\\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\\\" data-src=\\\"https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png\\\" alt=\\\"M&amp;S Bank Transfer Plus Credit Card image\\\" class=\\\"lazysizes\\\" srcset=\\\"https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=1200 1200w\\\" sizes=\\\"(max-width: 1200px) 100vw, 1200px\\\" loading=\\\"lazy\\\"\\u003E\\u003C\/a\\u003E\\u003Cdiv class=\\\"finder-score-container\\\"\\u003E\\u003Cdiv class=\\\"detail-info \\\" style=\\\"cursor: pointer;\\\"\\u003E\\u003Ca class=\\\"scoreCombined score__container finder-score\\\" onclick=\\\"showFinderScoreModal('ukccf')\\\"\\u003E \\u003Cspan class=\\\"score__badge score__badge--great\\\"\\u003E\\u003Cspan class=\\\"score__value\\\"\\u003E8.7\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003Cspan class=\\\"score__text-wrapper score__text score__text--great\\\"\\u003EGreat\\u003C\/span\\u003E\\u003C\/a\\u003E\\u003C\/div\\u003E\\u003C\/div\\u003E            \\u003Cdiv class=\\\"product-info_name combined-column-header\\\"\\u003E                \\u003Cspan class=\\\"nameLink\\\"\\u003E\\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-transfer-plus-mastercard\\\" target=\\\"_blank\\\" data-component-id=\\\"1014\\\" data-component-version=\\\"1\\\"\\u003EM&amp;S Bank Transfer Plus Credit Card\\u003C\/a\\u003E\\u003C\/span\\u003E            \\u003C\/div\\u003E\\n\\n                          \\n                                                        \\u003C\/td\\u003E\\n\\n                                \\n                                                            \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                                                                                                                                                                                                            first-row\\n                                                                                                                        default-sort-descending\\\" data-mobile=\\\"hide\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"1\\\" data-decorator=\\\"text,ukccf.product.datapoint_finder_score_v2_m\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Finder Score\\\"\\u003E\\n                        \\u003Cdiv class=\\\"detail-info \\\" style=\\\"cursor: pointer;\\\"\\u003E\\u003Ca class=\\\"scoreCombined score__container finder-score\\\" onclick=\\\"showFinderScoreModal('ukccf')\\\"\\u003E \\u003Cspan class=\\\"score__badge score__badge--great\\\"\\u003E\\u003Cspan class=\\\"score__value\\\"\\u003E8.7\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003Cspan class=\\\"score__text-wrapper score__text score__text--great\\\"\\u003EGreat\\u003C\/span\\u003E\\u003C\/a\\u003E\\u003C\/div\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                                                rounded-top-left\\n                                                                                                                                                                                                                                                                    default-sort-descending\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"2\\\" data-decorator=\\\"text,ukccf.product.ukccf_balance_transfer_new\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Balance transfers\\\"\\u003E\\n                        0% for 30 months\\u003Cbr\\u003E(3.49% fee) \\u003Cspan class=\\\"table-popover\\\" rel=\\\"popover\\\" data-content=\\\"Transfers must be made within the first 90 days from account opening.\\\" title=\\\"More info\\\" data-original-title=\\\"\\\" tab-index=\\\"0\\\"\\u003E\\u003C\/span\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                            border-left\\n                                                                                                                                                                                                                                                                                        default-sort-descending\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"3\\\" data-decorator=\\\"text,ukccf.product.purchases\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Purchases\\\"\\u003E\\n                        0% for 3 months\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                            border-left\\n                                                                                rounded-top-right\\n                                                                                                                                                                                                                                                \\\" data-sortvalue=\\\"&pound;0\\\" data-column-index=\\\"4\\\" data-decorator=\\\"text\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Annual\/monthly fees\\\"\\u003E\\n                        &pound;0\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        span-last-row\\n                                                                                                                        rounded-bottom-left\\n                                                            rounded-bottom-right\\n                                                                                                                                                                            span-2\\n                                                                                                                                                                            \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"5\\\" data-decorator=\\\"text,ukccf.product.representative_apr\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Representative APR\\\"\\u003E\\n                        24.9% APR (variable)\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"6\\\" data-decorator=\\\"text,ukccf.product.ukccf_new_incentive\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Incentive\\\"\\u003E\\n                        \\u003Cstyle\\u003Etd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }\\u003C\/style\\u003E\\u003Cdiv class=\\\"comparison-table__product-offer\\\"\\u003E\\u003Csvg class=\\\"luna-icon\\\" role=\\\"img\\\" aria-label=\\\"Special offer\\\"\\u003E\\u003Cuse href=\\\"#gift\\\"\\u003E\\u003C\/use\\u003E\\u003C\/svg\\u003E Earn rewards points every time you shop and they'll be converted to M&amp;S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&amp;S Sparks account. T&amp;Cs apply.\\u003C\/div\\u003E\\u003Cdiv class=\\\"has-padding-top-xsmall\\\"\\u003ERepresentative example: Representative 24.9% APR variable. Based on assumed borrowing of &pound;1,200. Rate of interest 24.9% p.a. (variable).\\u003C\/div\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                              \\n        \\n\\n        \\n                  \\n                \\n                \\n                                      \\n          \\n          \\n          \\u003Ctd class=\\\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \\\"\\u003E\\n            \\u003Cdiv class=\\\"comparison-table__cellWrapper\\\"\\u003E\\n                                              \\u003Cbutton type=\\\"button\\\" class=\\\"js-comparison-table__save-button comparison-table__save-button\\\" aria-label=\\\"Save\\\" aria-pressed=\\\"false\\\" title=\\\"Save\\\"\\u003E\\u003C\/button\\u003E\\n                            \\u003Cstyle\\u003E.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}\\u003C\/style\\u003E        \\u003Ca href=\\\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/mandsbanktransferplus-uk-secure.html?nb=1&amp;src_country=uk&amp;silent=1&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22template%22%3A%22comparison%22%2C%22site%22%3A%22UKCCF%22%2C%22fieldset%22%3A%22newbalancetransfers%22%2C%22category_id%22%3A%22ba448e6b-c770-4443-b1bc-8310d7b369db%22%2C%22category_name%22%3A%22marksandspencer%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794057676%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22M%255BAMPERSAND%255DS%2BBank%2BTransfer%2BPlus%2BCredit%2BCard%22%2C%22product_id%22%3A%225d039987-7cff-4771-8609-a861378849ee%22%2C%22offer_id%22%3A%2224701%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2258842%22%2C%22post_path%22%3A%22credit-cards%252Fmarks-and-spencer%22%2C%22post_country%22%3A%22uk%22%7D\\\" class=\\\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta button-eligibility--cta\\\" title=\\\"Check eligibility\\\"\\u003E        Check eligibility      \\u003C\/a\\u003E    \\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-transfer-plus-mastercard\\\" class=\\\"comparison-table__more-button\\\" title=\\\"Read more about this card\\\"\\u003E    \\u003Csvg class=\\\"luna-icon\\\"\\u003E\\u003Cuse href=\\\"#info\\\"\\u003E\\u003C\/use\\u003E\\u003C\/svg\\u003E    \\u003Cspan\\u003EMore info\\u003C\/span\\u003E  \\u003C\/a\\u003E\\n                                                                                \\u003Cdiv class=\\\"luna-form__selection comparison-table__compareField\\\"\\u003E\\n    \\u003Cfieldset\\u003E\\n        \\u003Clegend class=\\\"compare-box__legend\\\"\\u003ECompare product selection\\u003C\/legend\\u003E\\n        \\u003Cinput class=\\\"luna-checkbox\\\" type=\\\"checkbox\\\" id=\\\"compare-product-0000000004-5d039987-7cff-4771-8609-a861378849ee\\\" value=\\\"5d039987-7cff-4771-8609-a861378849ee\\\" name=\\\"productID\\\" _productname=\\\" 8.7Great                            M&amp;S Bank Transfer Plus Credit Card            \\\" _productimg=\\\"\/product\/\\\" data-custom-event-active=\\\"true\\\" data-component-id=\\\"1004\\\" data-component-version=\\\"1\\\" data-component-props='{\\\"finderScore\\\":8.7,\\\"badges\\\":[],\\\"productId\\\":\\\"5d039987-7cff-4771-8609-a861378849ee\\\"}'\\u003E\\n        \\u003Clabel class=\\\"luna-label\\\" for=\\\"compare-product-0000000004-5d039987-7cff-4771-8609-a861378849ee\\\"\\u003ECompare\\u003C\/label\\u003E\\n    \\u003C\/fieldset\\u003E\\n\\u003C\/div\\u003E\\n\\n                                          \\u003C\/div\\u003E\\n          \\u003C\/td\\u003E\\n        \\n        \\n                  \\u003Ctd class=\\\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\\\" aria-hidden=\\\"true\\\"\\u003E\\n  \\u003Cdiv class=\\\"sidepeek-modal-slider__overlay\\\"\\u003E\\u003C\/div\\u003E\\n  \\u003Cdiv class=\\\"sidepeek-modal-slider__content\\\"\\u003E\\n    \\n    \\u003Cdiv class=\\\"sidepeek-modal-slider__close-wrapper\\\"\\u003E\\n      \\u003Cbutton type=\\\"button\\\" class=\\\"sidepeek-modal-slider__close js-expander-trigger\\\" aria-label=\\\"Close modal\\\"\\u003E\\n          \\u003Csvg class=\\\"luna-icon sidepeek-modal-slider__close-icon\\\"\\u003E\\n            \\u003Cuse href=\\\"#x\\\"\\u003E\\u003C\/use\\u003E\\n          \\u003C\/svg\\u003E\\n      \\u003C\/button\\u003E\\n    \\u003C\/div\\u003E\\n\\n    \\u003Cdiv class=\\\"comparison-table__cellWrapper\\\"\\u003E\\n      \\n      \\u003Cdiv class=\\\"comparison-table__expander--fetching center-over\\\"\\u003E\\n        \\u003Cdiv class=\\\"relativeloading-pulse__box loading-pulse__box-notext\\\"\\u003E\\n          \\u003Cspan class=\\\"loading-pulse loading-pulse--medium loading-pulse--primary\\\"\\u003Eloading\\u003C\/span\\u003E\\n        \\u003C\/div\\u003E\\n      \\u003C\/div\\u003E\\n\\n    \\u003C\/div\\u003E\\n  \\u003C\/div\\u003E\\n\\u003C\/td\\u003E \\n        \\n        \\n              \\u003C\/tr\\u003E\\n\\n                                                                                                                                                    \\n                        \\n                  \\n      \\n      \\u003Ctr data-product-id=\\\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\\\" data-provider-id=\\\"4e74a6fa-abcf-4d98-b648-8a1e8978a789\\\" data-product-name=\\\"M&amp;S Bank Purchase Plus Credit Card\\\" data-provider-name=\\\"M&amp;S Bank\\\" class=\\\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \\\"\\u003E\\n        \\u003Ctd class=\\\"comparison-table__name combined-column-header   f1-clarity-header\\\"\\u003E\\n                                                          \\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-purchase-plus\\\" data-component-id=\\\"1003\\\" data-component-version=\\\"1\\\"\\u003E\\u003Cimg border=\\\"0\\\" src=\\\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\\\" data-src=\\\"https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png\\\" alt=\\\"M&amp;S Bank Purchase Plus Credit Card image\\\" class=\\\"lazysizes\\\" srcset=\\\"https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=1200 1200w\\\" sizes=\\\"(max-width: 1200px) 100vw, 1200px\\\" loading=\\\"lazy\\\"\\u003E\\u003C\/a\\u003E\\u003Cdiv class=\\\"finder-score-container\\\"\\u003E\\u003Cdiv class=\\\"detail-info \\\" style=\\\"cursor: pointer;\\\"\\u003E\\u003Ca class=\\\"scoreCombined score__container finder-score\\\" onclick=\\\"showFinderScoreModal('ukccf')\\\"\\u003E \\u003Cspan class=\\\"score__badge score__badge--excellent\\\"\\u003E\\u003Cspan class=\\\"score__value\\\"\\u003E9.9\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003Cspan class=\\\"score__text-wrapper score__text score__text--excellent\\\"\\u003EExcellent\\u003C\/span\\u003E\\u003C\/a\\u003E\\u003C\/div\\u003E\\u003C\/div\\u003E            \\u003Cdiv class=\\\"product-info_name combined-column-header\\\"\\u003E                \\u003Cspan class=\\\"nameLink\\\"\\u003E\\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-purchase-plus\\\" target=\\\"_blank\\\" data-component-id=\\\"1014\\\" data-component-version=\\\"1\\\"\\u003EM&amp;S Bank Purchase Plus Credit Card\\u003C\/a\\u003E\\u003C\/span\\u003E            \\u003C\/div\\u003E\\n\\n                          \\n                                                        \\u003C\/td\\u003E\\n\\n                                \\n                                                            \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                                                                                                                                                                                                            first-row\\n                                                                                                                        default-sort-descending\\\" data-mobile=\\\"hide\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"1\\\" data-decorator=\\\"text,ukccf.product.datapoint_finder_score_v2_m\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Finder Score\\\"\\u003E\\n                        \\u003Cdiv class=\\\"detail-info \\\" style=\\\"cursor: pointer;\\\"\\u003E\\u003Ca class=\\\"scoreCombined score__container finder-score\\\" onclick=\\\"showFinderScoreModal('ukccf')\\\"\\u003E \\u003Cspan class=\\\"score__badge score__badge--excellent\\\"\\u003E\\u003Cspan class=\\\"score__value\\\"\\u003E9.9\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003Cspan class=\\\"score__text-wrapper score__text score__text--excellent\\\"\\u003EExcellent\\u003C\/span\\u003E\\u003C\/a\\u003E\\u003C\/div\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                                                rounded-top-left\\n                                                                                                                                                                                                                                                                    default-sort-descending\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"2\\\" data-decorator=\\\"text,ukccf.product.ukccf_balance_transfer_new\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Balance transfers\\\"\\u003E\\n                        0% for 6 months\\u003Cbr\\u003E(3.49% fee) \\u003Cspan class=\\\"table-popover\\\" rel=\\\"popover\\\" data-content=\\\"Transfers must be made within the first 90 days from account opening.\\\" title=\\\"More info\\\" data-original-title=\\\"\\\" tab-index=\\\"0\\\"\\u003E\\u003C\/span\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                            border-left\\n                                                                                                                                                                                                                                                                                        default-sort-descending\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"3\\\" data-decorator=\\\"text,ukccf.product.purchases\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Purchases\\\"\\u003E\\n                        0% for 26 months\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                            border-left\\n                                                                                rounded-top-right\\n                                                                                                                                                                                                                                                \\\" data-sortvalue=\\\"&pound;0\\\" data-column-index=\\\"4\\\" data-decorator=\\\"text\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Annual\/monthly fees\\\"\\u003E\\n                        &pound;0\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        span-last-row\\n                                                                                                                        rounded-bottom-left\\n                                                            rounded-bottom-right\\n                                                                                                                                                                            span-2\\n                                                                                                                                                                            \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"5\\\" data-decorator=\\\"text,ukccf.product.representative_apr\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Representative APR\\\"\\u003E\\n                        24.9% APR (variable)\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"6\\\" data-decorator=\\\"text,ukccf.product.ukccf_new_incentive\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Incentive\\\"\\u003E\\n                        \\u003Cstyle\\u003Etd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }\\u003C\/style\\u003E\\u003Cdiv class=\\\"comparison-table__product-offer\\\"\\u003E\\u003Csvg class=\\\"luna-icon\\\" role=\\\"img\\\" aria-label=\\\"Special offer\\\"\\u003E\\u003Cuse href=\\\"#gift\\\"\\u003E\\u003C\/use\\u003E\\u003C\/svg\\u003E Earn rewards points every time you shop and they'll be converted to M&amp;S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&amp;S Sparks account. T&amp;Cs apply.\\u003C\/div\\u003E\\u003Cdiv class=\\\"has-padding-top-xsmall\\\"\\u003ERepresentative example: Representative 24.9% APR variable. Based on assumed borrowing of &pound;1,200. Rate of interest 24.9% p.a. (variable).\\u003C\/div\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                              \\n        \\n\\n        \\n                  \\n                \\n                \\n                                      \\n          \\n          \\n          \\u003Ctd class=\\\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \\\"\\u003E\\n            \\u003Cdiv class=\\\"comparison-table__cellWrapper\\\"\\u003E\\n                                              \\u003Cbutton type=\\\"button\\\" class=\\\"js-comparison-table__save-button comparison-table__save-button\\\" aria-label=\\\"Save\\\" aria-pressed=\\\"false\\\" title=\\\"Save\\\"\\u003E\\u003C\/button\\u003E\\n                            \\u003Cstyle\\u003E.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}\\u003C\/style\\u003E    \\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-purchase-plus\\\" class=\\\"comparison-table__more-button\\\" title=\\\"Read more about this card\\\"\\u003E    \\u003Csvg class=\\\"luna-icon\\\"\\u003E\\u003Cuse href=\\\"#info\\\"\\u003E\\u003C\/use\\u003E\\u003C\/svg\\u003E    \\u003Cspan\\u003EMore info\\u003C\/span\\u003E  \\u003C\/a\\u003E\\n                                                                                \\u003Cdiv class=\\\"luna-form__selection comparison-table__compareField\\\"\\u003E\\n    \\u003Cfieldset\\u003E\\n        \\u003Clegend class=\\\"compare-box__legend\\\"\\u003ECompare product selection\\u003C\/legend\\u003E\\n        \\u003Cinput class=\\\"luna-checkbox\\\" type=\\\"checkbox\\\" id=\\\"compare-product-0000000004-1df978bd-64e9-48ca-80c2-52d5c5cc0851\\\" value=\\\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\\\" name=\\\"productID\\\" _productname=\\\" 9.9Excellent                            M&amp;S Bank Purchase Plus Credit Card            \\\" _productimg=\\\"\/product\/\\\" data-custom-event-active=\\\"true\\\" data-component-id=\\\"1004\\\" data-component-version=\\\"1\\\" data-component-props='{\\\"finderScore\\\":9.9,\\\"badges\\\":[],\\\"productId\\\":\\\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\\\"}'\\u003E\\n        \\u003Clabel class=\\\"luna-label\\\" for=\\\"compare-product-0000000004-1df978bd-64e9-48ca-80c2-52d5c5cc0851\\\"\\u003ECompare\\u003C\/label\\u003E\\n    \\u003C\/fieldset\\u003E\\n\\u003C\/div\\u003E\\n\\n                                          \\u003C\/div\\u003E\\n          \\u003C\/td\\u003E\\n        \\n        \\n                  \\u003Ctd class=\\\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\\\" aria-hidden=\\\"true\\\"\\u003E\\n  \\u003Cdiv class=\\\"sidepeek-modal-slider__overlay\\\"\\u003E\\u003C\/div\\u003E\\n  \\u003Cdiv class=\\\"sidepeek-modal-slider__content\\\"\\u003E\\n    \\n    \\u003Cdiv class=\\\"sidepeek-modal-slider__close-wrapper\\\"\\u003E\\n      \\u003Cbutton type=\\\"button\\\" class=\\\"sidepeek-modal-slider__close js-expander-trigger\\\" aria-label=\\\"Close modal\\\"\\u003E\\n          \\u003Csvg class=\\\"luna-icon sidepeek-modal-slider__close-icon\\\"\\u003E\\n            \\u003Cuse href=\\\"#x\\\"\\u003E\\u003C\/use\\u003E\\n          \\u003C\/svg\\u003E\\n      \\u003C\/button\\u003E\\n    \\u003C\/div\\u003E\\n\\n    \\u003Cdiv class=\\\"comparison-table__cellWrapper\\\"\\u003E\\n      \\n      \\u003Cdiv class=\\\"comparison-table__expander--fetching center-over\\\"\\u003E\\n        \\u003Cdiv class=\\\"relativeloading-pulse__box loading-pulse__box-notext\\\"\\u003E\\n          \\u003Cspan class=\\\"loading-pulse loading-pulse--medium loading-pulse--primary\\\"\\u003Eloading\\u003C\/span\\u003E\\n        \\u003C\/div\\u003E\\n      \\u003C\/div\\u003E\\n\\n    \\u003C\/div\\u003E\\n  \\u003C\/div\\u003E\\n\\u003C\/td\\u003E \\n        \\n        \\n              \\u003C\/tr\\u003E\",\"rewardsParams\":[],\"loyaltyRewardsParams\":{\"campaignName\":null,\"flow\":null,\"showBanner\":false,\"isLoggedIn\":null},\"noResultsIntroText\":\"\",\"topPicksHtml\":\"\",\"totalProductCount\":3,\"pageSize\":3,\"productCount\":2,\"nextOffset\":null,\"prevOffset\":0},\"infobox\":[{\"request\":{\"site\":\"UKCCF\",\"origin\":\"straightforward-niche\",\"recordType\":\"product\",\"id\":\"5d039987-7cff-4771-8609-a861378849ee,1df978bd-64e9-48ca-80c2-52d5c5cc0851\",\"fieldset\":\"alternative_products\"},\"response\":[]},{\"request\":{\"site\":\"UKCCF\",\"origin\":\"straightforward-niche\",\"recordType\":\"product\",\"id\":\"5d039987-7cff-4771-8609-a861378849ee,1df978bd-64e9-48ca-80c2-52d5c5cc0851\",\"fieldset\":\"compareInfobox\"},\"response\":[{\"title\":\"Network\",\"values\":[\"Mastercard\",\"Mastercard\"]},{\"title\":\"Issuer\",\"values\":[\"HSBC Bank plc\",\"HSBC Bank plc\"]},{\"title\":\"Availability\",\"values\":[\"Available to new customers\",\"Available to new customers\"]},{\"title\":\"Annual\/monthly fees\",\"values\":[\"&pound;0\",\"&pound;0\"]},{\"title\":\"Representative APR\",\"values\":[\"24.9% APR (variable)\",\"24.9% APR (variable)\"]},{\"title\":\"Purchases\",\"values\":[\"0% for 3 months\",\"0% for 26 months\"]},{\"title\":\"Balance transfers\",\"values\":[\"0% for 30 months\\u003Cbr \/\\u003E(3.49% fee) \\u003Cspan class=\\\"table-popover\\\" rel=\\\"popover\\\" data-content=\\\"Transfers must be made within the first 90 days from account opening.\\\" title=\\\"More info\\\" data-original-title=\\\"\\\" tab-index=\\\"0\\\"\\u003E\\u003C\/span\\u003E\",\"0% for 6 months\\u003Cbr \/\\u003E(3.49% fee) \\u003Cspan class=\\\"table-popover\\\" rel=\\\"popover\\\" data-content=\\\"Transfers must be made within the first 90 days from account opening.\\\" title=\\\"More info\\\" data-original-title=\\\"\\\" tab-index=\\\"0\\\"\\u003E\\u003C\/span\\u003E\"]},{\"title\":\"Balance transfer fee\",\"values\":[\"3.49% (min. &pound;5)\",\"3.49% (min. &pound;5)\"]},{\"title\":\"Cash advances\",\"values\":[\"29.9%\",\"29.9%\"]},{\"title\":\"Cash advance fee\",\"values\":[\"2.99% (min. &pound;3)\",\"2.99% (min. &pound;3)\"]},{\"title\":\"Foreign usage charge (EU)\",\"values\":[\"2.99%\",\"2.99%\"]},{\"title\":\"Foreign usage charge\",\"values\":[\"2.99%\",\"2.99%\"]},{\"title\":\"Incentive\",\"values\":[\"Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply.\",\"Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply.\"]},{\"title\":\"Representative example\",\"values\":[\"Representative example: Representative 24.9% APR variable. Based on assumed borrowing of &pound;1,200. Rate of interest 24.9% p.a. (variable).\",\"Representative example: Representative 24.9% APR variable. Based on assumed borrowing of &pound;1,200. Rate of interest 24.9% p.a. (variable).\"]}]}]}<\/script><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-ba448e6b-c770-4443-b1bc-8310d7b369db\">3 of 3 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated daily<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKCCF\" data-site=\"UKCCF\" data-table-id=\"848\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"newbalancetransfers\",\"template\":\"comparison\",\"category_id\":\"ba448e6b-c770-4443-b1bc-8310d7b369db\",\"category_name\":\"marksandspencer\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794057675}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukccf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"3\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"d83347956c0ff345c83073ac220e07288dcd712b0a1775f45e6979aa40bd0a95\" data-table-record-type=\"product\" data-table-record-ids='[\"5d039987-7cff-4771-8609-a861378849ee\",\"6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\",\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\"]' data-total-data=\"3\" data-enable-top-filters=\"true\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"3\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-5\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKCCF.PRODUCT.DATAPOINT_FINDER_SCORE_V2_M\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.UKCCF_BALANCE_TRANSFER_NEW\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"balance_transfers\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Balance transfers\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.PURCHASES\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"purchases\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Purchases\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"PRODUCT.RATES_AND_FEES.ACCOUNT_FEES\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"annual\/monthly_fees\">\n                                                        Annual\/monthly fees\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.REPRESENTATIVE_APR\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"representative_apr\">\n                                                        Representative APR\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.UKCCF_NEW_INCENTIVE\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"incentive\">\n                                                        Incentive\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><\/tr><\/thead><tbody><tr data-product-id=\"5d039987-7cff-4771-8609-a861378849ee\" data-provider-id=\"4e74a6fa-abcf-4d98-b648-8a1e8978a789\" data-product-name=\"M&amp;S Bank Transfer Plus Credit Card\" data-provider-name=\"M&amp;S Bank\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-transfer-plus-mastercard\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png\" alt=\"M&amp;S Bank Transfer Plus Credit Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6aa916bc977e3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-transfer-plus-mastercard\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">M&amp;S Bank Transfer Plus Credit Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    default-sort-descending\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.ukccf_balance_transfer_new\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Balance transfers\">\n                        0% for 30 months<br>(3.49% fee) <span class=\"table-popover\" rel=\"popover\" data-content=\"Transfers must be made within the first 90 days from account opening.\" title=\"More info\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        default-sort-descending\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.purchases\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchases\">\n                        0% for 3 months\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\u00a30\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual\/monthly fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.representative_apr\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative APR\">\n                        24.9% APR (variable)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\" data-sortvalue=\"\" data-column-index=\"6\" data-decorator=\"text,ukccf.product.ukccf_new_incentive\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg> Earn rewards points every time you shop and they'll be converted to M&amp;S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&amp;S Sparks account. T&amp;Cs apply.<\/div><div class=\"has-padding-top-xsmall\">Representative example: Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.9% p.a. (variable).<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}<\/style><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/mandsbanktransferplus-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKCCF%22%2C%22fieldset%22%3A%22newbalancetransfers%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22ba448e6b-c770-4443-b1bc-8310d7b369db%22%2C%22category_name%22%3A%22marksandspencer%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794057675%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22M%255BAMPERSAND%255DS%2BBank%2BTransfer%2BPlus%2BCredit%2BCard%22%2C%22product_id%22%3A%225d039987-7cff-4771-8609-a861378849ee%22%2C%22offer_id%22%3A%2224701%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%2258842%22%2C%22post_path%22%3A%22credit-cards%252Fmarks-and-spencer%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta button-eligibility--cta\" title=\"Check eligibility\">        Check eligibility      <\/a><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-transfer-plus-mastercard\" class=\"comparison-table__more-button\" title=\"Read more about this card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-5d039987-7cff-4771-8609-a861378849ee\" value=\"5d039987-7cff-4771-8609-a861378849ee\" name=\"productID\" _productname=\" 8.7Great                            M&amp;S Bank Transfer Plus Credit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":8.7,\"badges\":[],\"productId\":\"5d039987-7cff-4771-8609-a861378849ee\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-5d039987-7cff-4771-8609-a861378849ee\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\" data-provider-id=\"4e74a6fa-abcf-4d98-b648-8a1e8978a789\" data-product-name=\"M&amp;S Bank Rewards Credit Card\" data-provider-name=\"M&amp;S Bank\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-shopping-plus-mastercard\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6aa916c9743d6.png\" alt=\"M&amp;S Bank Rewards Credit Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6aa916c9743d6.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6aa916c9743d6.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6aa916c9743d6.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6aa916c9743d6.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6aa916c9743d6.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.1<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-shopping-plus-mastercard\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">M&amp;S Bank Rewards Credit Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.1<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">Great<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    default-sort-descending\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.ukccf_balance_transfer_new\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Balance transfers\">\n                        0% for 9 months<br>(3.49% fee) <span class=\"table-popover\" rel=\"popover\" data-content=\"Transfers must be made within the first 90 days from account opening.\" title=\"More info\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        default-sort-descending\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.purchases\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchases\">\n                        0% for 9 months\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\u00a30\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual\/monthly fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.representative_apr\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative APR\">\n                        23.9% APR (variable)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\" data-sortvalue=\"\" data-column-index=\"6\" data-decorator=\"text,ukccf.product.ukccf_new_incentive\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg> Earn rewards points every time you shop and they'll be converted to M&amp;S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&amp;S Sparks account. T&amp;Cs apply.<\/div><div class=\"has-padding-top-xsmall\">Representative example: Representative 23.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 23.9% p.a. (variable).<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}<\/style><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-shopping-plus-mastercard\" class=\"comparison-table__more-button\" title=\"Read more about this card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\" value=\"6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\" name=\"productID\" _productname=\" 7.1Great                            M&amp;S Bank Rewards Credit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":7.1,\"badges\":[],\"productId\":\"6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\" data-provider-id=\"4e74a6fa-abcf-4d98-b648-8a1e8978a789\" data-product-name=\"M&amp;S Bank Purchase Plus Credit Card\" data-provider-name=\"M&amp;S Bank\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-purchase-plus\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png\" alt=\"M&amp;S Bank Purchase Plus Credit Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6aa9169c5a7ec.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-purchase-plus\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">M&amp;S Bank Purchase Plus Credit Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    default-sort-descending\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.ukccf_balance_transfer_new\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Balance transfers\">\n                        0% for 6 months<br>(3.49% fee) <span class=\"table-popover\" rel=\"popover\" data-content=\"Transfers must be made within the first 90 days from account opening.\" title=\"More info\" data-original-title=\"\" tab-index=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        default-sort-descending\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.purchases\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchases\">\n                        0% for 26 months\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\u00a30\" data-column-index=\"4\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual\/monthly fees\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.representative_apr\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative APR\">\n                        24.9% APR (variable)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\" data-sortvalue=\"\" data-column-index=\"6\" data-decorator=\"text,ukccf.product.ukccf_new_incentive\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg> Earn rewards points every time you shop and they'll be converted to M&amp;S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&amp;S Sparks account. T&amp;Cs apply.<\/div><div class=\"has-padding-top-xsmall\">Representative example: Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.9% p.a. (variable).<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}<\/style><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-purchase-plus\" class=\"comparison-table__more-button\" title=\"Read more about this card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-1df978bd-64e9-48ca-80c2-52d5c5cc0851\" value=\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\" name=\"productID\" _productname=\" 9.9Excellent                            M&amp;S Bank Purchase Plus Credit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.9,\"badges\":[],\"productId\":\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-1df978bd-64e9-48ca-80c2-52d5c5cc0851\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count-ba448e6b-c770-4443-b1bc-8310d7b369db comparison-table__dataCount\">Showing\n\t\t\t3\n\t\t\tof\n\t\t\t3\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKCCF\" data-rewards-component=\"compare-products\"><\/div><div class=\"product-modal\"><section class=\"luna-modal is-invisible\" aria-hidden=\"false\" role=\"dialog\" id=\"alternative-products-modal\" aria-labelledby=\"alternative-products-modal-heading\" aria-describedby=\"modal-content\" tabindex=\"-1\"><div class=\"luna-modal__content\"><button class=\"luna-modal__close\" type=\"button\" aria-label=\"Close modal\"><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#x\"><\/use><\/svg><\/button><div class=\"luna-modal__body\" id=\"modal-content\"><div class=\"luna-modal__wrapper\"><div class=\"modal-heading\" id=\"alternative-products-modal-heading\">Compare other products<\/div><div class=\"cta-modal__body\"><p class=\"cta-modal__intro-text cta-modal__intro-text--active-cta\" style=\"display: none;\">Looking for other options? Check out these similar products.<\/p><div class=\"cta-modal__cards-container\"><\/div><span class=\"cta-modal__popover table-popover\" rel=\"popover\" data-placement=\"top\" data-content=\"This list shows products with some similar features to the one you selected. It is not a recommendation or suggestion to purchase any product. Always check details and get independent advice to make sure any product suits your own needs before applying.\">How we picked these<\/span><\/div><\/div><\/div><\/div><\/section><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for credit cards<\/h3>\n\n<p>To make comparing even easier we came up with the <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">Finder Score<\/a>. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card \u2013 simple.<\/p>\n\n<a class=\"luna-button luna-button--primary has-margin-bottom\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/methodology-for-rating-credit-cards\">Read the full methodology<\/a><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>Approval for any credit card depends 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. Most of the data in Finder's comparison tables is provided by Defaqto.<\/p><\/div><\/article><p>M&amp;S offers a straightforward choice of cards with either an excellent 0% purchases offer or a 0% balance transfer offer. Get M&amp;S points with any qualifying card spend and look out for regular bonus points offers for new customers.<\/p><p>One of the UK\u2019s leading luxury food and clothing retailers, M&amp;S\u2019 financial arm is operated by the banking experts at HSBC. M&amp;S Bank is a great choice if you want a warmer customer experience than you\u2019d expect from a typical high street bank.<\/p><h3>Types of M&amp;S credit cards<\/h3><p>Credit cards from M&amp;S Bank are explicitly designed to save you money on interest charges and reward you for using an M&amp;S credit card to pay for goods and services. Pick a card targeted at balance transfers, or save on the interest you would usually pay on shopping by choosing the Shopping Plus offer.<\/p><ul><li><strong>0% purchases cards.<\/strong> These cards are designed to let you spread the cost of forthcoming expenditure, without incurring any interest. Don\u2019t forget that when the introductory 0% period is up, any outstanding balance will revert to the card\u2019s standard rate \u2013 normally much higher. Learn more about <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/0-purchase-credit-cards\">0% purchase cards<\/a>.<\/li><li><strong>0% balance transfer cards.<\/strong> If you have an existing interest-carrying balance on another credit card, think about applying for the M&amp;S Transfer Plus offer. A very low balance transfer fee combined with a very competitive period of 0% in interest on any balance you transfer leads to very big savings on your existing interest bill. Learn more about <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/0-balance-transfers\">0% balance transfer cards<\/a>.<\/li><li><strong>Rewards cards.<\/strong> You\u2019ll earn points each time you use an M&amp;S credit card, but at a better rate when you use it in M&amp;S. Every three months the points are converted into vouchers and sent to you along with your statement. M&amp;S cards also come with an array of additional benefits. Learn more about <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\">rewards cards<\/a>.<\/li><\/ul><h3 id=\"benefits\">What benefits can I get with an M&amp;S credit card?<\/h3><ul class=\"list-4\"><li><strong>Get rewarded for everyday credit card use.<\/strong> At the time of writing, M&amp;S Bank will give you one M&amp;S point for every \u00a31 you spend at a Marks and Spencer store, and one M&amp;S point for every \u00a35 you spend everywhere else. You\u2019ll receive a \u00a31 Marks and Spencer voucher for every 100 M&amp;S points you collect. Holders of M&amp;S Premium Club membership get triple the standard award on spending in a Marks and Spencer store.<\/li><li><strong>Easy access to travel money.<\/strong> Do you have travel plans? Your M&amp;S Bank card makes it easy to access foreign currency at your local Marks and Spencer store. M&amp;S Credit Card holders get preferential foreign exchange rates, pay no cash advance fee and receive 55 days of interest-free credit when they purchase foreign currency from M&amp;S Bank.<\/li><li><strong>Advanced security.<\/strong> M&amp;S Bank implements advanced fraud monitoring and security systems that protect you from unauthorised spending on your credit card account.<\/li><li><strong>Add an additional cardholder free of charge.<\/strong> You can add anyone over the age of 18 to your M&amp;S credit card account. The additional cardholder can enjoy the same benefits you do, including the ability to earn M&amp;S points on their credit card spend.<\/li><li><strong>Mobile payments.<\/strong> Every M&amp;S credit card is ready to go with all the common mobile payment technologies, including Apple Pay, Android Pay and Samsung Pay. You can pay for goods and services by simply tapping your phone on any contactless terminal.<\/li><\/ul><h3>How can I apply for an M&amp;S credit card?<\/h3><ol><li>First, decide which M&amp;S credit card suits you best. The card with the best balance transfer offer has a short promotional period for purchases, while the top purchases card has a shorter balance transfer period.<\/li><li>Check that you meet the eligibility criteria. Both M&amp;S cards on offer at the time of writing have long promotional periods so you will likely only be accepted if you have a good credit history. You won\u2019t be able to apply if you\u2019ve held an M&amp;S credit card in the last 12 months.<\/li><li>Choose the right card on the M&amp;S website and proceed with the application form. Always complete all the details correctly as this speeds up the application process and makes it less likely that your application will be referred for manual review.<\/li><li>Submit your completed application form. You could get an instant reply, or M&amp;S Bank may take a couple of business days to get back to you.<\/li><\/ol><h3>What supporting documents and information will I need?<\/h3><p>You will be asked to enter the usual credit application details when applying for an M&amp;S Bank credit card. Make sure you know your full address history for at least three years, including postcodes. You will also need to enter your employment history including income as well as your current account sort code and account number.<\/p>\n        \n            <h3>What do customers say about M&amp;S Bank?<\/h3>\n        <p>87% of customers we <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-cards#customer-satisfaction\">surveyed<\/a> in 2026 would recommend M&amp;S Bank to a friend.<\/p>\n        <p>It rewards loyal shoppers with an excellent points system that seamlessly converts into M&amp;S vouchers. Customers praise the proactive fraud protection, great customer service, and the ease of managing their accounts online.<\/p>\n<p>While the perks and 0% offers are highly valued, some users note that the standard interest rates are high and miss having physical branches where they can discuss their accounts face-to-face.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n                                        \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                                    \n            <h3 id=\"awardspanel\">M&amp;S Bank and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. M&amp;S Bank was named our 2025 0% Purchase Credit Card Provider of the Year Award winner!<\/p>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>Overview of M&amp;S Bank credit cards<\/h3>\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Representative APR<\/th>\n<td class=\"i_infobox_data product_infobox_data\">From 23.9% to 24.9%<\/td>\n<\/tr>\n<tr>\n<th>0% balance transfer offer<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Up to 30 months<\/td>\n<\/tr>\n<tr>\n<th>0% purchases offer<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Up to 26 months<\/td>\n<\/tr>\n<tr>\n<th>0% money transfer offer<\/th>\n<td class=\"i_infobox_data product_infobox_data\">No money transfer offer available<\/td>\n<\/tr>\n<tr>\n<th>Points earn-rate with brand<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Up to 1%<\/td>\n<\/tr>\n<tr>\n<th>Points earn-rate elsewhere<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Up to 0.2%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do I have to pay a card fee?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You won\u2019t be charged an annual or monthly credit card fee to keep your M&amp;S Bank credit card. However, you should always meet minimum payment requirements and keep to the terms of your card agreement to avoid any penalty fees.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Does M&amp;S Bank offer online banking?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can manage your M&amp;S credit card and all other M&amp;S Bank accounts online. Instantly check your statement and balances once you\u2019ve followed the simple internet banking registration process.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What credit limit will M&amp;S Bank award to me when I apply?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>M&amp;S Bank offers generous initial credit limits, but the credit limit on the card will vary depending on your credit profile and the credit you already have available to you. If you manage your credit card account responsibly you may get increases in your credit limit in the future.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What do I need to do if my credit card is lost or stolen?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Contact M&amp;S Bank straight away if you know or suspect that you have lost your credit card, or that it may have been stolen. M&amp;S Bank will put a hold on the card to prevent any further transactions from being processed and will send a new card to you in the mail.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">I have an M&amp;S Mastercard credit card, how can I access Priceless Cities?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>All Mastercard credit cardholders are entitled to use their <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/mastercard-priceless-cities\">Priceless Cities<\/a> rewards programme which offers access to exclusive experiences and discounts.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"CreditCard\",\n  \"image\":\"https:\/\/cdn.finder.com.au\/niche-builder\/6aa916bc977e3.png\",\n  \"name\":\"M&S Bank Transfer Plus Credit Card\",\n  \"provider\":{\"@type\":\"Thing\",\"name\":\"M&S Bank\"},\n  \"requiredCollateral\": \"None\",\n  \"annualPercentageRate\": \"24.9\",\n  \"amount\": {\n      \"@type\": \"MonetaryAmount\",\n      \"minValue\": \"500\",\n      \"maxValue\": \"Not specified\",\n      \"currency\": \"GBP\"\n  }\n  }\n<\/script>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"CreditCard\",\n  \"image\":\"https:\/\/cdn.finder.com.au\/niche-builder\/6aa916c9743d6.png\",\n  \"name\":\"M&S Bank Rewards Credit Card\",\n  \"provider\":{\"@type\":\"Thing\",\"name\":\"M&S Bank\"},\n  \"requiredCollateral\": \"None\",\n  \"annualPercentageRate\": \"23.9\",\n  \"amount\": {\n      \"@type\": \"MonetaryAmount\",\n      \"minValue\": \"500\",\n      \"maxValue\": \"Not specified\",\n      \"currency\": \"GBP\"\n  }\n  }\n<\/script>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"CreditCard\",\n  \"image\":\"https:\/\/cdn.finder.com.au\/niche-builder\/6aa9169c5a7ec.png\",\n  \"name\":\"M&S Bank Purchase Plus Credit Card\",\n  \"provider\":{\"@type\":\"Thing\",\"name\":\"M&S Bank\"},\n  \"requiredCollateral\": \"None\",\n  \"annualPercentageRate\": \"24.9\",\n  \"amount\": {\n      \"@type\": \"MonetaryAmount\",\n      \"minValue\": \"500\",\n      \"maxValue\": \"Not specified\",\n      \"currency\": \"GBP\"\n  }\n  }\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Compare the range of credit card options available from M&#038;S.<\/p>\n","protected":false},"author":195,"featured_media":76379,"parent":63518,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-masthead-two-column.php","meta":{"_yoast_wpseo_focuskw":"m&s credit card","_yoast_wpseo_title":"Compare M&S credit card offers for [date format=\"Y\"] | Finder UK","_yoast_wpseo_metadesc":"Compare M&S Bank credit card offers for new and existing customers, including shopping rewards, balance transfer and 0% purchase cards. Get points each time you shop.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-04-10 09:23:10\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated the guide with M&S Bank&#39;s 2026 customer satisfaction score and customer review summary.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"tags":[],"class_list":["post-58842","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Compare M&amp;S credit card offers for 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Compare M&amp;S Bank credit card offers for new and existing customers, including shopping rewards, balance transfer and 0% purchase cards. Get points each time you shop.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare M&amp;S credit card offers for 2026\" \/>\n<meta property=\"og:description\" content=\"Compare M&amp;S Bank credit card offers for new and existing customers, including shopping rewards, balance transfer and 0% purchase cards. Get points each time you shop.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/MS-Bank-Logo-250-x-250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer\",\"name\":\"Compare M&S credit card offers for 2026 | Finder UK\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2017\\\/10\\\/MS-Bank-Logo-250-x-250.png\",\"datePublished\":\"2017-11-27T16:24:52+00:00\",\"dateModified\":\"2026-04-10T10:23:10+00:00\",\"description\":\"Compare M&S Bank credit card offers for new and existing customers, including shopping rewards, balance transfer and 0% purchase cards. Get points each time you shop.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#primaryimage\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2017\\\/10\\\/MS-Bank-Logo-250-x-250.png\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2017\\\/10\\\/MS-Bank-Logo-250-x-250.png\",\"width\":250,\"height\":250,\"caption\":\"M&S Banking Logo\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit cards\",\"item\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Compare M&S credit card offers for 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#website\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\",\"name\":\"Finder\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/findercomuk\",\"https:\\\/\\\/x.com\\\/findercomUK\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/finder\\\/\",\"https:\\\/\\\/en.wikipedia.org\\\/wiki\\\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Comment\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#comment-23363\",\"author\":{\"@type\":\"Person\",\"name\":\"Sue\"},\"text\":\"How do I add an additional card holder when applying for a m &amp; s credit card\",\"datePublished\":\"2019-11-10 14:03:11\"},{\"@type\":\"Comment\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#comment-7790\",\"author\":{\"@type\":\"Person\",\"name\":\"Jill\"},\"text\":\"Applied for a credit card over a week ago. Heard nothing yet - no acceptance confirmation or rejection. Can I be sure it is being processed as the indication was that I should hear in a couple of working days?\",\"datePublished\":\"2018-11-02 09:44:23\"},{\"@type\":\"Comment\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#comment-5949\",\"author\":{\"@type\":\"Person\",\"name\":\"Eddie\"},\"text\":\"I have just bought an expensive iPhone on my Matercard do I get cover for loss or theft ?\",\"datePublished\":\"2018-09-06 20:04:35\"},{\"@type\":\"Comment\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#comment-4150\",\"author\":{\"@type\":\"Person\",\"name\":\"Margaret\"},\"text\":\"What is the address for the bank s head office\",\"datePublished\":\"2018-06-11 21:44:19\"},{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer\"},\"author\":{\"name\":\"Chris Lilly\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/2bcd9231d1c1e8ed47cffe934574b9ad\"},\"headline\":\"Compare M&#038;S credit card offers for 2026\",\"datePublished\":\"2017-11-27T16:24:52+00:00\",\"dateModified\":\"2026-04-10T10:23:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer\"},\"wordCount\":1322,\"commentCount\":4,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2017\\\/10\\\/MS-Bank-Logo-250-x-250.png\",\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#respond\"]}],\"comment\":[{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#comment-23363\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#comment-7790\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#comment-5949\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/credit-cards\\\/marks-and-spencer#comment-4150\"}]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/2bcd9231d1c1e8ed47cffe934574b9ad\",\"name\":\"Chris Lilly\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/ChrisLillyF1_Finder_600x600.png\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/ChrisLillyF1_Finder_600x600.png\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/11\\\/ChrisLillyF1_Finder_600x600.png\",\"caption\":\"Chris Lilly\"},\"description\":\"Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.\",\"sameAs\":[\"https:\\\/\\\/twitter.com\\\/ChrisLillyCL\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/chris-lilly-46a15627\\\/\"],\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/author\\\/chrislilly\",\"jobTitle\":\"Head of publishing\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Loans & credit cards\"},{\"@type\":\"Thing\",\"name\":\"Building credit\"},{\"@type\":\"Thing\",\"name\":\"Financial health\"},{\"@type\":\"Thing\",\"name\":\"Share trading\"}],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-04-10T10:23:10+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Compare M&S credit card offers for 2026 | Finder UK","description":"Compare M&S Bank credit card offers for new and existing customers, including shopping rewards, balance transfer and 0% purchase cards. Get points each time you shop.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer","og_locale":"en_GB","og_type":"article","og_title":"Compare M&S credit card offers for 2026","og_description":"Compare M&S Bank credit card offers for new and existing customers, including shopping rewards, balance transfer and 0% purchase cards. Get points each time you shop.","og_url":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","og_image":[{"width":250,"height":250,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/MS-Bank-Logo-250-x-250.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_site":"@findercomUK","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer","url":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer","name":"Compare M&S credit card offers for 2026 | Finder UK","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/MS-Bank-Logo-250-x-250.png","datePublished":"2017-11-27T16:24:52+00:00","dateModified":"2026-04-10T10:23:10+00:00","description":"Compare M&S Bank credit card offers for new and existing customers, including shopping rewards, balance transfer and 0% purchase cards. Get points each time you shop.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/MS-Bank-Logo-250-x-250.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/MS-Bank-Logo-250-x-250.png","width":250,"height":250,"caption":"M&S Banking Logo"},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Credit cards","item":"https:\/\/www.finder.com\/uk\/credit-cards"},{"@type":"ListItem","position":3,"name":"Compare M&S credit card offers for 2026"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#comment-23363","author":{"@type":"Person","name":"Sue"},"text":"How do I add an additional card holder when applying for a m &amp; s credit card","datePublished":"2019-11-10 14:03:11"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#comment-7790","author":{"@type":"Person","name":"Jill"},"text":"Applied for a credit card over a week ago. Heard nothing yet - no acceptance confirmation or rejection. Can I be sure it is being processed as the indication was that I should hear in a couple of working days?","datePublished":"2018-11-02 09:44:23"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#comment-5949","author":{"@type":"Person","name":"Eddie"},"text":"I have just bought an expensive iPhone on my Matercard do I get cover for loss or theft ?","datePublished":"2018-09-06 20:04:35"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#comment-4150","author":{"@type":"Person","name":"Margaret"},"text":"What is the address for the bank s head office","datePublished":"2018-06-11 21:44:19"},{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer"},"author":{"name":"Chris Lilly","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad"},"headline":"Compare M&#038;S credit card offers for 2026","datePublished":"2017-11-27T16:24:52+00:00","dateModified":"2026-04-10T10:23:10+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer"},"wordCount":1322,"commentCount":4,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2017\/10\/MS-Bank-Logo-250-x-250.png","inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#respond"]}],"comment":[{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#comment-23363"},{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#comment-7790"},{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#comment-5949"},{"@id":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer#comment-4150"}]},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad","name":"Chris Lilly","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png","caption":"Chris Lilly"},"description":"Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.","sameAs":["https:\/\/twitter.com\/ChrisLillyCL","https:\/\/www.linkedin.com\/in\/chris-lilly-46a15627\/"],"url":"https:\/\/www.finder.com\/uk\/author\/chrislilly","jobTitle":"Head of publishing","knowsAbout":[{"@type":"Thing","name":"Loans & credit cards"},{"@type":"Thing","name":"Building credit"},{"@type":"Thing","name":"Financial health"},{"@type":"Thing","name":"Share trading"}],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2026-04-10T10:23:10+00:00"},"custom_fields":{"_wp_page_template":["page-masthead-two-column.php"],"show_author_box":["yes"],"_content_type":["niche-content\/recommendation\/provider-review"],"_masthead_variant":["{\"id\":\"standard-provider\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":true,\"shouldUseSecondaryCTAFieldName\":true,\"primaryCTA\":{\"label\":\"Compare the cards\",\"target\":\"#compare\",\"containerText\":\"\"},\"secondaryCTA\":{\"label\":\"Card benefits\",\"target\":\"#benefits\",\"containerText\":\"\"},\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Find out more about the range of credit card offers from M&amp;S, including 0% purchase and 0% balance transfer cards. Rates starting from [nb:lowest-value niche_code=&quot;UKCCF&quot; record_type=&quot;PRODUCT&quot; field=&quot;RATES_AND_FEES.APR&quot; filter=&quot;(GENERAL.ACTIVE==true) and (GENERAL.PROVIDER_ID==4e74a6fa-abcf-4d98-b648-8a1e8978a789) and (GENERAL.CARD_TYPE==standard)&quot; decorated=&quot;true&quot;]. \"}"]},"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/pages\/58842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/195"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=58842"}],"version-history":[{"count":18,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/pages\/58842\/revisions"}],"predecessor-version":[{"id":575839,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/pages\/58842\/revisions\/575839"}],"up":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/pages\/63518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/76379"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=58842"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=58842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}