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Marks and Spencer Balance Transfer

What are the current Marks and Spencer balance transfer offers for customers in the UK, in 2022?

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 now offers new customers a new longer 0% for 32 months on balance transfers with a 1.99% balance transfer fee, minimum £5 and a representative 21.9 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 M&S Shopping Plus credit card. This card now offers new customers, 0% for 24 months with a 2.9% balance transfer fee, minimum £5 and a representative 21.9 APR variable. This card does however, offer an equally long 0% for 24 months on purchases from account opening.

There is also a M & S balance transfer offer available on the M&S Rewards credit card. This M and S balance transfer offer is a little bit shorter. This card offers new customers, 0% for 12 months with a 2.9% balance transfer fee, minimum £5 and a representative 19.9 APR variable. This card has 0% for 12 months on purchases, and also has double reward points for the first 12 months.

M&S Balance Transfer Credit Card

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


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Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 1.99% 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

Application Criteria

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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 24 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 24 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 24 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

Application Criteria

M&S Shopping 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 12 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 12 months
Representative APR:
19.9% APR (variable)

Card Details

M&S Rewards*
  • 0% interest for 12 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 12 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

Application Criteria

M&S Rewards*
  • 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
Double M&S points on all your M&S shopping for the first 12 months
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership 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 offer customers preferential rates when you use 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 M&S travel bureau.

The Marks and Spencer balance transfer credit card is a popular credit card within the UK market. The card is promoted by Marks & Spencer to new and existing customers, both 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 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 include the First Direct credit cards, as well as the John Lewis and Waitrose Partnership credit card.

The Marks and Spencer balance transfer offers from M&S Bank were increased in length in April this year. The bank had previously offered slightly shorter 0% introductory offers to new customers. The Transfer Plus card had previously offered 0% for 31 months on balance transfers for new customers. The Shopping Plus card had previously offered 0% for 23 months on balance transfers and purchases.

M&S Bank 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 in both Marks and Spencer and elsewhere on the high street, or online you collect M&S points. Customers receive 1 point for every £1 spent in M&S and one point for every £5 spent elsewhere.

The M&S Rewards Plus credit card offers customers double M&S points on all your M&S shopping using the card. This applies for your first 12 months from account opening.

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 past years, been seen as more of a rewards credit card, than a long balance transfer credit card. However, the current longer Marks and Spencer balance transfer offers are now some of the most competitive in the UK credit card market.


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Published: April 6, 2022, Updated: April 6, 2022 by Balance Transfer Expert

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