{"id":182072,"date":"2019-03-29T15:12:36","date_gmt":"2019-03-29T15:12:36","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=182072"},"modified":"2026-02-12T09:27:52","modified_gmt":"2026-02-12T09:27:52","slug":"m-and-s-credit-card-points","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/m-and-s-credit-card-points","title":{"rendered":"M&#038;S credit card points"},"content":{"rendered":"<h3>Overview<\/h3><p>A loyalty programme for the true M&amp;S addicted, M&amp;S Loyalty Scheme has a decent earn rate, but only allows you to redeem points for more M&amp;S vouchers.<\/p><p>If you thrive at the idea of losing yourself in an endless spiral of M&amp;S shopping, it could be right for you.<\/p><h3 id=\"earn\">How to earn M&amp;S credit card points<\/h3><p>You earn M&amp;S credit card points every time you shop with your M&amp;S credit card. M&amp;S doesn\u2019t offer a huge range of credit card options, but it does cover three main credit card types \u2013 rewards, balance transfer and 0% purchases.<\/p><p>When you use your credit card to shop at M&amp;S, you earn points at a comparatively good rate \u2013 1 point for every \u00a31 you spend. If you choose the Reward Plus credit card, for the first year your M&amp;S shopping points will be doubled.<\/p><p>Like with most credit card loyalty schemes, the earn rate decreases for all other purchases \u2013 1 point for every \u00a35 you spend. So for example you\u2019ll earn 100 points every time you spend \u00a3100 at M&amp;S, every time you spend \u00a3500 anywhere else, or any possible combination of the 2.<\/p><h3>M&amp;S credit card points calculator<\/h3><p>Use our calculator to find out how many M&amp;S rewards points you could get.<\/p><article class=\"luna-card luna-card--border\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n\n\n<legend class=\"luna-legend\">M&amp;S rewards points calculator<\/legend>\n\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ccfinput1\">How much do you want to convert to M&amp;S rewards points?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"0\" id=\"ccfinput1\" onchange=\"ccfShowResults();\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ccfinput2\">M&amp;S rewards points earn rate (e.g. rewards point per \u00a31)<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"0\" id=\"ccfinput2\" onchange=\"ccfShowResults();\">\n<span class=\"luna-affix__label\">rewards points<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button class=\"luna-button luna-button--primary\" onclick=\"ccfShowResults();\">Submit<\/button>\n<\/div>\n<\/div>\n\n<\/fieldset>\n<\/form>\n\n\n\n\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block text-x-large\"><p><strong id=\"resultmessage\">Use the fields above to calculate how much cashback you will earn.<\/strong><\/p>\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n\n<script>\nfunction ccfShowResults() {\n\nvar ccfinput1 = document.getElementById(\"ccfinput1\");\nvar ccfinput2 = document.getElementById(\"ccfinput2\");\nvar resultmessage = document.getElementById(\"resultmessage\");\nvar howMuch = Number(ccfinput1.value);\nvar earnRate = Number(ccfinput2.value);\n\nif ((howMuch > 0) && (earnRate > 0)) {\n\nvar finalSum = (howMuch * earnRate);\n\nresultmessage.innerHTML = 'You will earn <span class=\"fin-text-blue\">' + Number(finalSum) + ' M&S rewards points if you spend <span class=\"fin-text-blue\">' + Number(howMuch).toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 2}) + ' with an earn rate of <span class=\"fin-text-blue\">' + Number(earnRate) + ' rewards points per &pound;1 spent.';\n\n} else {\n\nresultmessage.innerHTML = 'Please specify an expected spend figure and a M&S rewards points earn rate.';\n\n}\n\n}\n<\/script><h3>M&amp;S Sparks points vs credit card points<\/h3><p>Unlike with other retailers, M&amp;S credit card points and M&amp;S regular loyalty points (part of the Sparks scheme) aren\u2019t the same thing and don\u2019t work together \u2013 which can be a bit of a hassle, especially because it means you\u2019ll have to swipe both cards at the till if you want to make the best out of it.<\/p><p>However, if you do that you can earn Sparks and card points at the same time, and earn more prizes.<\/p><h3>How to redeem M&amp;S credit card points<\/h3><p>As we said, M&amp;S credit card points can only be redeemed for more M&amp;S vouchers. 100 credit card points are worth \u00a31.<\/p><p>The good news is, four times a year M&amp;S posts you the vouchers you\u2019ve earned, so you don\u2019t actually need to do anything.<\/p><p>However, if you do want to check your balance, you can use M&amp;S online banking to do it.<\/p><p>Vouchers last 15 months, so you can choose whether to spend them immediately and get a nice discount on your groceries, or save them for a bigger purchase.<\/p><h3>Pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Good earn rate.<\/li>\n                                    <li>Automatic points redemption every three months.<\/li>\n                                    <li>Vouchers are valid 15 months.<\/li>\n                                    <li>55 days interest-free credit.<\/li>\n                                    <li>Additional cardholders can be added.<\/li>\n                                    <li>Preferential rates on M&amp;S Travel Money.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Reduced earn rate on non-M&amp;S purchases.<\/li>\n                                    <li>Points can only be redeemed for M&amp;S vouchers.<\/li>\n                                    <li>Works separately from M&amp;S' standard loyalty card, so you need to carry both.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 class=\"no-margin-bottom\">Compare credit cards that earn M&amp;S points<\/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        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"UKCCF\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script 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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                                                                                                                                                                                                                                                                    \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"2\\\" data-decorator=\\\"text,ukccf.product.ukccf_max_intro_rewards\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Max. intro bonus\\\"\\u003E\\n                        N\/A\\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                                                                                                                                                                                                                                                                                        \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"3\\\" data-decorator=\\\"text,ukccf.product.ukccf_earn_rate_with_brand\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Earn-rate with brand\\\"\\u003E\\n                        1 point per &pound;1 spent\\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=\\\"\\\" data-column-index=\\\"4\\\" data-decorator=\\\"text,ukccf.product.ukccf_default_earn_rate\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Default earn-rate\\\"\\u003E\\n                        1 point per &pound;5 spent \\u003Cspan class=\\\"table-popover\\\" rel=\\\"popover\\\" data-content=\\\"The value of points can vary depending on redemption opportunities, but these particular points are normally worth 1p .\\\" title=\\\"\\\" data-original-title=\\\"More info\\\" tabindex=\\\"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                                                                                                                        rounded-bottom-left\\n                                                                                                                                                                                      bottom-order-5\\n                                                                                \\\" data-sortvalue=\\\"&pound;0\\\" data-column-index=\\\"5\\\" 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                                                            border-left\\n                                                                                                                        rounded-bottom-right\\n                                                                                                                                                                            span-1\\n                                                                                                                                                                            \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"6\\\" 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 no-padding-bottom\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"7\\\" data-decorator=\\\"text,ukccf.product.ukccfincentive\\\"\\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%; } .comparison-table__cta .luna-button--success { white-space: normal; line-height: 16px !important; }\\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\\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-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\\\" data-sortvalue=\\\":24.9%.&pound;1,200.24.9%...\\\" data-column-index=\\\"8\\\" data-decorator=\\\"text\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Representative example\\\"\\u003E\\n                        Representative example: Representative 24.9% APR variable. Based on assumed borrowing of &pound;1,200. Rate of interest 24.9% p.a. (variable).\\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-6 bottom-order-6\\\"\\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\/mandsbankpurchaseplus-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%22rewardsdatanofilters%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%221793952004%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22M%255BAMPERSAND%255DS%2BBank%2BPurchase%2BPlus%2BCredit%2BCard%22%2C%22product_id%22%3A%221df978bd-64e9-48ca-80c2-52d5c5cc0851%22%2C%22offer_id%22%3A%2224765%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22182072%22%2C%22post_path%22%3A%22credit-cards%252Fmarks-and-spencer%252Fm-and-s-credit-card-points%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-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\\n\\n                                                                                                                                                    \\n                        \\n                  \\n      \\n      \\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-6  mobile-column-count-5 mobile-row-count-10  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                                                                                                                                                                                                                                                                    \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"2\\\" data-decorator=\\\"text,ukccf.product.ukccf_max_intro_rewards\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Max. intro bonus\\\"\\u003E\\n                        N\/A\\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                                                                                                                                                                                                                                                                                        \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"3\\\" data-decorator=\\\"text,ukccf.product.ukccf_earn_rate_with_brand\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Earn-rate with brand\\\"\\u003E\\n                        1 point per &pound;1 spent\\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=\\\"\\\" data-column-index=\\\"4\\\" data-decorator=\\\"text,ukccf.product.ukccf_default_earn_rate\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Default earn-rate\\\"\\u003E\\n                        1 point per &pound;5 spent \\u003Cspan class=\\\"table-popover\\\" rel=\\\"popover\\\" data-content=\\\"The value of points can vary depending on redemption opportunities, but these particular points are normally worth 1p .\\\" title=\\\"\\\" data-original-title=\\\"More info\\\" tabindex=\\\"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                                                                                                                        rounded-bottom-left\\n                                                                                                                                                                                      bottom-order-5\\n                                                                                \\\" data-sortvalue=\\\"&pound;0\\\" data-column-index=\\\"5\\\" 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                                                            border-left\\n                                                                                                                        rounded-bottom-right\\n                                                                                                                                                                            span-1\\n                                                                                                                                                                            \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"6\\\" 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 no-padding-bottom\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"7\\\" data-decorator=\\\"text,ukccf.product.ukccfincentive\\\"\\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%; } .comparison-table__cta .luna-button--success { white-space: normal; line-height: 16px !important; }\\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\\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-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\\\" data-sortvalue=\\\":24.9%.&pound;1,200.24.9%...\\\" data-column-index=\\\"8\\\" data-decorator=\\\"text\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Representative example\\\"\\u003E\\n                        Representative example: Representative 24.9% APR variable. Based on assumed borrowing of &pound;1,200. Rate of interest 24.9% p.a. (variable).\\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-6 bottom-order-6\\\"\\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%22rewardsdatanofilters%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%221793952004%22%2C%22position%22%3A%222%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%22182072%22%2C%22post_path%22%3A%22credit-cards%252Fmarks-and-spencer%252Fm-and-s-credit-card-points%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\",\"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\":\"1df978bd-64e9-48ca-80c2-52d5c5cc0851,5d039987-7cff-4771-8609-a861378849ee\",\"fieldset\":\"alternative_products\"},\"response\":[]},{\"request\":{\"site\":\"UKCCF\",\"origin\":\"straightforward-niche\",\"recordType\":\"product\",\"id\":\"1df978bd-64e9-48ca-80c2-52d5c5cc0851,5d039987-7cff-4771-8609-a861378849ee\",\"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 26 months\",\"0% for 3 months\"]},{\"title\":\"Balance transfers\",\"values\":[\"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\",\"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\"]},{\"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=\"1351\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"rewardsdatanofilters\",\"template\":\"comparison\",\"category_id\":\"ba448e6b-c770-4443-b1bc-8310d7b369db\",\"category_name\":\"marksandspencer\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1793952004}'><div class=\"comparisonHistory__root\"><\/div><style>\n  \/* Gold gradient on reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n    margin-bottom: 12px;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: center;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--large {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: left;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  \/* &#9472;&#9472; Responsive T&C: inline (inside pill) vs below (outside pill) &#9472;&#9472; *\/\n  .rewards-pill__tc--below {\n    display: none;\n  }\n\n  .rewards-pill__icon-svg--compact {\n    display: none;\n  }\n\n  @media (max-width: 960px) {\n    .rewards-pill__tc--inline {\n      display: none;\n    }\n\n    .rewards-pill__tc--below {\n      display: block;\n    }\n\n    \/* Swap to compact icon on mobile\/tablet *\/\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--large {\n      display: none;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg--compact {\n      display: block;\n    }\n\n    \/* Revert pill to compact size when T&C moves outside *\/\n    .rewards-pill[data-show-tc=\"true\"] {\n      height: 24px;\n      padding: 0px 8px 0px 2px;\n      border-radius: 4px 20px 20px 20px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n      border-radius: 4px 20px 20px 20px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n      top: 55%;\n      left: 3%;\n      margin-top: -19px;\n      margin-left: -6px;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n      text-transform: uppercase;\n      font-size: 16px;\n      line-height: 24px;\n    }\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n  \/* Partner card (stacked rewards design) *\/\n  .rewards-pill__partner--large {\n    display: flex;\n    align-items: center;\n    gap: 2px;\n  }\n\n  .rewards-pill__partner--compact {\n    display: none;\n    align-items: center;\n    gap: 2px;\n  }\n\n  .rewards-pill__plus {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-size: 14px;\n    color: #232320;\n    z-index: 1;\n    line-height: 1;\n  }\n\n  .rewards-pill__partner-svg {\n    width: 68px;\n    height: 48px;\n    filter: drop-shadow(0px 0px 6.2px rgba(0, 0, 0, 0.15));\n  }\n\n  @media (max-width: 960px) {\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__partner--large {\n      display: none;\n    }\n\n    .rewards-pill[data-show-tc=\"true\"] .rewards-pill__partner--compact {\n      display: flex;\n    }\n  }\n\n<\/style><style>\n    .comparison-table__feature--offer.comparison-table__feature--offer-stacked {\n    display: flex;\n    flex-direction: column;\n  }\n\n    .comparison-table__feature.comparison-table__feature--reward-criteria {\n    padding-top: 16px;\n  }\n\n  .finder-reward-criteria,\n  .finder-reward-stack {\n    position: relative;\n    box-sizing: border-box;\n    width: 100%;\n    margin-top: 8px;\n  }\n\n  .finder-reward-criteria,\n  .finder-reward-stack__reward {\n    padding: 24px 16px 8px;\n    border: 1px solid #e6b40f;\n    border-radius: 12px;\n    background: linear-gradient(162deg, rgba(255, 210, 59, 0.5) 9.47%, rgba(255, 216, 53, 0.5) 16.17%, rgba(254, 218, 61, 0.5) 21.75%, rgba(254, 224, 83, 0.5) 29.57%, rgba(254, 234, 119, 0.5) 39.61%, rgba(253, 247, 169, 0.5) 50.78%, rgba(253, 255, 196, 0.5) 56.36%, rgba(253, 248, 172, 0.5) 58.59%, rgba(253, 238, 136, 0.5) 61.94%, rgba(254, 230, 105, 0.5) 65.29%, rgba(254, 224, 82, 0.5) 68.64%, rgba(254, 219, 65, 0.5) 73.1%, rgba(254, 216, 56, 0.5) 77.57%, rgba(255, 216, 53, 0.5) 83.15%, rgba(255, 210, 59, 0.5) 89.85%), #ffffff;\n  }\n\n  .comparison-table__feature--offer-stacked .finder-reward-stack {\n    display: flex;\n    flex-direction: column;\n    padding: 0;\n    background: none;\n    border: 0;\n  }\n\n  .finder-reward-stack__reward {\n    border-bottom-left-radius: 0;\n    border-bottom-right-radius: 0;\n  }\n\n  .finder-reward-stack__offer {\n    display: flex;\n    align-items: flex-start;\n    gap: 8px;\n    margin-top: -1px;\n    padding: 12px 16px;\n    border: 1px solid #e6b40f;\n    border-radius: 0 0 12px 12px;\n    background: #fff9e5;\n    color: #232320;\n    font-size: 14px;\n    line-height: 1.25;\n  }\n\n  .finder-reward-stack__offer .luna-icon {\n    --fill: #1dd751;\n    flex-shrink: 0;\n    width: 20px;\n    height: 20px;\n  }\n\n  .finder-reward-stack__plus {\n    display: block;\n    align-self: center;\n    box-sizing: border-box;\n    width: 20px;\n    height: 20px;\n    margin: -10px auto;\n    position: relative;\n    z-index: 2;\n    border-radius: 9999px;\n    border: 1px solid #e6b40f;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n  }\n\n    .finder-reward-stack__plus::before,\n  .finder-reward-stack__plus::after {\n    content: '';\n    position: absolute;\n    top: 50%;\n    left: 50%;\n    width: 8px;\n    height: 2px;\n    background: #092673;\n    transform: translate(-50%, -50%);\n  }\n\n  .finder-reward-stack__plus::after {\n    transform: translate(-50%, -50%) rotate(90deg);\n  }\n\n    .finder-reward-badge {\n    position: absolute;\n    top: -8px;\n    left: 12px;\n    z-index: 1;\n    display: inline-flex;\n    align-items: center;\n    gap: 2px;\n    box-sizing: border-box;\n    height: 24px;\n    padding: 0 10px 0 4px;\n    border: 1px solid #e6b40f;\n    border-radius: 12px 999px 999px 80px;\n    background: linear-gradient(148.12deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n  }\n\n  .finder-reward-badge .finder-reward-badge__card {\n    width: 44px;\n    height: 31px;\n    margin: -4px 0 -4px -10px;\n  }\n\n    .finder-reward-badge .finder-reward-badge__card text {\n    font: italic 900 10px 'Modern Era', Arial, Helvetica, sans-serif;\n  }\n\n    .finder-reward-badge__text {\n    text-box: trim-both cap alphabetic;\n    color: #092673;\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n\n  .finder-reward-criteria__text {\n    margin: 0;\n    color: #232320;\n    font-size: 14px;\n    line-height: 1.25;\n  }\n\n  .finder-reward-criteria__text strong {\n    font-weight: 700;\n  }\n\n    .finder-reward-criteria__tc,\n  .finder-reward-criteria__tc:visited {\n    color: inherit;\n    font-weight: inherit;\n    text-decoration: underline;\n    text-underline-position: auto;\n    white-space: nowrap;\n  }\n\n    @media (max-width: 600px) {\n        table.has-combined-column-header tr.mobile-two-columns td.comparison-table__feature.comparison-table__feature--offer-stacked,\n    table.has-combined-column-header tr.mobile-two-columns td.comparison-table__feature.comparison-table__feature--reward-criteria {\n      padding-left: 16px !important;\n      padding-right: 16px !important;\n    }\n  }\n\n  .finder-reward-stack,\n  .finder-reward-criteria {\n    text-align: left;\n  }\n<\/style><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=\"9701fa3c537fa1e87b1d34d7c4cc0c80e1eed6d5a39c480c563a9e2c06e46345\" data-table-record-type=\"product\" data-table-record-ids='[\"1df978bd-64e9-48ca-80c2-52d5c5cc0851\",\"5d039987-7cff-4771-8609-a861378849ee\",\"6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\"]' data-total-data=\"3\" data-enable-top-filters=\"false\" 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-6\"><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_MAX_INTRO_REWARDS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"max._intro_bonus\"><span class=\"comparison-table__nameTooltip\" rel=\"popover\" data-tooltip-type=\"Conditions such as a minimum spend may apply.\" data-content=\"Conditions such as a minimum spend may apply.\">\n                    Max. intro bonus\n                    <svg class=\"luna-icon\"><use xlink:href=\"#info\"><\/use><\/svg><\/span><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_EARN_RATE_WITH_BRAND\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"earn-rate_with_brand\">\n                                                        Earn-rate with brand\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_DEFAULT_EARN_RATE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"default_earn-rate\">\n                                                        Default earn-rate\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.UKCCFINCENTIVE\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-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><th class=\"comparison-table__feature comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"representative_example\">\n                                                        Representative example\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=\"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-6  mobile-column-count-5 mobile-row-count-10  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-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                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.ukccf_max_intro_rewards\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Max. intro bonus\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_earn_rate_with_brand\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Earn-rate with brand\">\n                        1 point per \u00a31 spent\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.ukccf_default_earn_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Default earn-rate\">\n                        1 point per \u00a35 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"The value of points can vary depending on redemption opportunities, but these particular points are normally worth 1p .\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                      bottom-order-5\n                                                                                \" data-sortvalue=\"\u00a30\" data-column-index=\"5\" 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                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"6\" 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 no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"7\" data-decorator=\"text,ukccf.product.ukccfincentive\"><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%; } .comparison-table__cta .luna-button--success { white-space: normal; line-height: 16px !important; }<\/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><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":24.9%.\u00a31,200.24.9%...\" data-column-index=\"8\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-6 bottom-order-6\"><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\/mandsbankpurchaseplus-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%22rewardsdatanofilters%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%221793952004%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22M%255BAMPERSAND%255DS%2BBank%2BPurchase%2BPlus%2BCredit%2BCard%22%2C%22product_id%22%3A%221df978bd-64e9-48ca-80c2-52d5c5cc0851%22%2C%22offer_id%22%3A%2224765%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22182072%22%2C%22post_path%22%3A%22credit-cards%252Fmarks-and-spencer%252Fm-and-s-credit-card-points%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-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><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-6  mobile-column-count-5 mobile-row-count-10  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-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                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.ukccf_max_intro_rewards\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Max. intro bonus\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_earn_rate_with_brand\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Earn-rate with brand\">\n                        1 point per \u00a31 spent\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.ukccf_default_earn_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Default earn-rate\">\n                        1 point per \u00a35 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"The value of points can vary depending on redemption opportunities, but these particular points are normally worth 1p .\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                      bottom-order-5\n                                                                                \" data-sortvalue=\"\u00a30\" data-column-index=\"5\" 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                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"6\" 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 no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"7\" data-decorator=\"text,ukccf.product.ukccfincentive\"><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%; } .comparison-table__cta .luna-button--success { white-space: normal; line-height: 16px !important; }<\/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><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":24.9%.\u00a31,200.24.9%...\" data-column-index=\"8\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 24.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 24.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-6 bottom-order-6\"><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%22rewardsdatanofilters%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%221793952004%22%2C%22position%22%3A%222%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%22182072%22%2C%22post_path%22%3A%22credit-cards%252Fmarks-and-spencer%252Fm-and-s-credit-card-points%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-6  mobile-column-count-5 mobile-row-count-10  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                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.ukccf_max_intro_rewards\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Max. intro bonus\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukccf.product.ukccf_earn_rate_with_brand\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Earn-rate with brand\">\n                        1 point per \u00a31 spent\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.ukccf_default_earn_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Default earn-rate\">\n                        1 point per \u00a35 spent <span class=\"table-popover\" rel=\"popover\" data-content=\"The value of points can vary depending on redemption opportunities, but these particular points are normally worth 1p .\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                        rounded-bottom-left\n                                                                                                                                                                                      bottom-order-5\n                                                                                \" data-sortvalue=\"\u00a30\" data-column-index=\"5\" 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                                                            border-left\n                                                                                                                        rounded-bottom-right\n                                                                                                                                                                            span-1\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"6\" 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 no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"7\" data-decorator=\"text,ukccf.product.ukccfincentive\"><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%; } .comparison-table__cta .luna-button--success { white-space: normal; line-height: 16px !important; }<\/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><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-top no-margin-bottom no-padding-bottom product-table_description span-row sorter-false\" data-sortvalue=\":23.9%.\u00a31,200.23.9%...\" data-column-index=\"8\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative example\">\n                        Representative example: Representative 23.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 23.9% p.a. (variable).\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-6 bottom-order-6\"><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><\/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><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\">What are M&amp;S credit card points worth?<\/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>Earn 1 Rewards point for every \u00a31 spent at M&amp;S and 1 Rewards point for every \u00a35 spent elsewhere. Once you accumulate 100 rewards points, you can redeem them for a \u00a31 M&amp;S voucher. However, you must have a minimum of 200 Rewards points to receive a Rewards voucher.<\/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\">What do M&amp;S points mean?<\/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\">It\u2019s a way to reward yourself at M&amp;S. You\u2019ll earn more points for shopping at M&amp;S and then receive vouchers to spend in store. Think of it as a loyalty card that rewards loyalty by allowing you to spend your rewards there.<\/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\">Do M&amp;S points expire?<\/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\">Yes. After 15 months, M&amp;S rewards vouchers expire.<\/div>\n  <\/div>\n<\/li><\/ul><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>","protected":false},"excerpt":{"rendered":"<p>How to earn and redeem M&#038;S points using a credit card plus the pros and cons of this reward scheme.<\/p>\n","protected":false},"author":195,"featured_media":152024,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"M&S credit card points","_yoast_wpseo_title":"M&S credit card points: Best cards to earn M&S points | Finder UK","_yoast_wpseo_metadesc":"Compare credit cards that earn M&S points on all your spending. Learn how to earn and redeem points and the pros and cons of this reward scheme.","_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":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"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\":\"2024-01-02 10:02:19\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated our FAQs in this article.\"}","_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":""},"categories":[2807],"tags":[],"asset_tag":[],"class_list":["post-182072","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-marks-and-spencer"],"apple_news_notices":[],"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>M&amp;S credit card points: Best cards to earn M&amp;S points | Finder UK<\/title>\n<meta name=\"description\" content=\"Compare credit cards that earn M&amp;S points on all your spending. Learn how to earn and redeem points and the pros and cons of this reward scheme.\" \/>\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\/m-and-s-credit-card-points\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M&amp;S credit card points\" \/>\n<meta property=\"og:description\" content=\"Compare credit cards that earn M&amp;S points on all your spending. 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