{"id":538068,"date":"2024-07-24T10:44:54","date_gmt":"2024-07-24T09:44:54","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=538068"},"modified":"2025-07-09T12:04:15","modified_gmt":"2025-07-09T11:04:15","slug":"ms-bank-purchase-plus","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-purchase-plus","title":{"rendered":"M&S Bank Purchase Plus Credit Card review"},"content":{"rendered":"

The M&S Bank Purchase Plus Credit Card is issued on the Mastercard<\/a> network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.<\/p>\n\n\n

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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>\n<\/div>

Repayment options<\/h3>\n\n\n

You can make manual repayments through M&S Bank's app by logging in to your online banking or over the phone (0800 997996). Alternatively, you may wish to set up a direct debit.<\/p>\n\n

A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score<\/a> and incurring the late payment fee of 12). If you're planning a major expenditure, you could use a fixed-amount direct debit to ensure you've cleared the debt before the 0% period expires \u2013 simply divide your initial expenditure by 25 to see what you'll need to pay each month (this assumes you don't use the card for ongoing spending).<\/p>\n\n\n

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.<\/p>\n\n

Choose from the following direct debit options for your monthly repayments:<\/h4>\n\n\n\n\n\n\n
Minimum amount <\/use><\/svg><\/td><\/tr>\n
Fixed amount
A set amount each month \u2013 e.g. \u00a350<\/span>\n<\/button><\/th>		<\/use><\/svg><\/td><\/tr>\n
Fixed percentage
Pay a fixed percentage of the balance<\/span>\n<\/button><\/th>		<\/use><\/svg><\/td><\/tr>\n
Full amount
Pay off the full outstanding balance every month<\/span>\n<\/button><\/th>		<\/use><\/svg><\/td><\/tr>\n<\/tbody>\n<\/table>\n\n

How to apply<\/h3>\n\n\n\n\n

First, you can use Finder's eligibility checker<\/a> to find out if you'd be likely to get approved for the M&S Bank Purchase Plus Credit Card. This won't impact your credit score. If it's good news, you can then proceed to M&S Bank's online application, which takes 10\u201315 minutes to complete.<\/p>\n

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This card offers the longest 0% purchase period of all M&S credit cards, at up to 20 months, plus there\u2019s the option of 0% interest on balance transfers for an introductory period too. There\u2019s no annual fee with the M&S Bank Purchase Plus Credit Card, so providing you clear your balance by the end of the interest-free period, it could be a good option to spread the cost of large purchases.\u201d<\/p>\n