tickComparing balance transfer credit cards online since 2002
tickEvery UK 0% balance transfer credit card available online
tick0% balance transfer deals and offers are updated every day

Marks and Spencer Balance Transfer

What are the current Marks and Spencer balance transfer offers for customers in the UK, in 2024?

Marks and Spencer Balance Transfer

The longest Marks and Spencer balance transfer offer is available on the M&S Transfer Plus card. This credit card offers new customers a long 0% for up to 26 months on balance transfers with a 3.49% balance transfer fee, minimum £5 and a representative 24.9 APR variable. This M&S balance transfer card also offers customers 0% for 3 months on purchases, from account opening.

An alternative M&S balance transfer offer is available on the new M&S Purchase Plus credit card. This card now offers new customers, 0% for up to 12 months with a 3.49% balance transfer fee, minimum £5 and a representative 24.9 APR variable. This card also offers customers a longer 0% for up to 20 months on purchases from account opening.

M&S Balance Transfer Credit Card

The following featured M&S balance transfer credit cards are currently available for UK customers:-


Balance Transfer Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for up to 20 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Purchase Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Marks and Spencer Credit Card Balance Transfer

The M&S balance transfer credit cards, are issued as Mastercard cards. The M&S credit cards can be applied for by customers who are UK residents, and aged 18 or over. Customers applying for a M and S balance transfer card also need to have an annual income, or pension, of at least £6,800.

The Marks and Spencer balance transfer cards also offer customers preferential rates when using your M&S balance transfer card to order M&S travel money. There is also no cash advance fee charged, when using the card for travel money purchases at any M&S travel bureau.

The Marks and Spencer balance transfer credit card is a very popular credit card within the UK market. The card currently offers one of the longest 0% offers available on balance transfers in the UK market. The card is promoted by Marks & Spencer, to both new and existing customers, on the high street and also online.

M and S Balance Transfer For Existing Customers

M&S Bank is run as a joint venture arrangement between Marks & Spencer and HSBC Bank. This means that the M and S balance transfer credit cards are actually issued by HSBC Bank.

As a result, balance transfers can not be made to the Marks and Spencer balance transfer cards from any other HSBC balance transfer card. These also include the First Direct credit cards as these cards are also issued by HSBC.

The Marks and Spencer balance transfer offers from M&S Bank were last reduced in length in February this year. M&S Bank, like many other card companies, now offer shorter 0% introductory offers to new customers.

M&S Credit Card Balance Transfer

In addition to the above M&S balance transfer offer, the M&S Bank balance transfer credit cards offer customers M&S points on purchases. Every time you shop with your Marks and Spencer credit card you collect M&S points. This applies in both Marks and Spencer and other high street stores or when you use your card online. Customers receive 1 point for every £1 spent in M&S and one point for every £5 spent elsewhere.

M&S points are converted into M&S reward vouchers four times a year. These reward vouchers are then posted directly to the customer. The reward vouchers can be used either in the M&S high street stores, or online.

The M&S Bank balance transfer cards have, in the past, been seen as more of a rewards credit card, than a long balance transfer credit card. However, the current Marks and Spencer balance transfer offers are now very competitive in the UK credit card market.


Related Content From Balance Transfer Expert:-


Published: February 13, 2024, Updated: February 13, 2024 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily