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M&S Shopping Plus Credit Card *

By:  Kate Anderson | Updated: 2nd March 2022.

The M&S Shopping Plus Credit Card has all the individual elements you want to find in a credit card: it’s got the combination of offering a long 0% interest period on purchases, a 0% interest period on balance transfers, and the M&S points program, making it a great all-rounder card.

Great For: Long 0% purchase and balance transfer, plus points

M&S Shopping Plus Credit Card *

4.5 stars ?

22 months

22 months




Check Eligibility Apply Now!

On M&S Bank's Secure Website


  • Poor/No credit
  • Fair/Average
  • Good/Excellent


The M&S Shopping Plus card ticks a lot of the boxes to make a great credit card. For starters, there’s a long 22-month 0% period on new purchases. But you can add to that a 22-month, 0% period for balance transfers made in the first 90 days and the M&S points programme. It is worth noting that there’s a 2.9% fee on balance transfers.


  • 0% interest on purchases for the first 22 months
  • 0% interest for 22 months on balance transfers made in the first 90 days
  • 2.9% balance transfer fee (minimum £5)
  • Earn M&S points for shopping at M&S and elsewhere


Perks 4/5
Fees 5/5
APR 4/5


Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Assumed credit limit £1,200

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Ready to apply? You can either Check Eligibility or Apply Now!
on M&S Bank's Secure Website

Our bottom line

This card ticks a lot of the right boxes to make it a solid overall package. It has a long 22-month 0% period on new purchases coupled with an 22-month 0% period for balance transfers, plus the M&S points rewards program and a welcome points-bonus offer. There’s not much else you could ask for from a card.

Credit Rating Requirement: Good/Excellent

What I like about the M&S Shopping Plus Credit Card

It’s the combination of offers on the M&S Shopping Plus Credit Card that makes it stand out from the crowd.

  • 0% introductory period on purchases – The card has a long 22-month interest-free period on new purchases. This means that you would not need to pay interest on anything you buy for over a year and a half. The introductory period is not quite as long as for other cards that specifically cater to the purchases market, but it’s still a decent length of time and is matched by the card’s balance transfer offer.
  • 0% introductory period on balance transfers – Mirroring the introductory period on purchases, the card also offers an 22-month interest-free period for balance transfers made within the first 90 days of account opening. It is worth noting that balance transfers carry a 2.9% fee (minimum £5).
  • M&S points – A key selling point for the card is that cardholders can earn reward points, a rare occurrence these days. You will receive one point for every £1 spent in M&S and one point for every £5 spent elsewhere. If you are an M&S Premium Current Account holder, you will receive three points for every £1 spent on your card at M&S – something to bear in mind if you are looking to make the most of the reward offer. Points are accrued and converted to M&S Reward vouchers at the end of the collection period (every three months). Then all you have to do is decide what you want to buy with your vouchers.
  • Worth knowing – You cannot apply for the card if you have held another M&S credit card in the past 12 months. Also, M&S points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S travel money or foreign exchange.

What could be improved?

While there is a lot to like about this card, there are a few elements that stand out as not ideal.

  • Vouchers – Yes, the card gives you the potential to earn reward points, but those rewards only come in the form of M&S vouchers. This is great if you are a fan of M&S products, but not ideal if you are looking to use your rewards elsewhere. Added to that you only receive your vouchers every quarter, making it quite a limited scheme.
  • Balance transfer fee – Any balance transfers made will be subject to a fee of 2.9%. So, for example, if you were to transfer a balance of £500, you would have to pay £14.50 in fees. The balance transfer offer of 22 months at 0% is good, but there are other cards that have a similar introductory period and do not charge a fee – just something to bear in mind if a balance transfer offer is what you are looking for.

How does the M&S Shopping Plus Credit Card offer stack up?

There are other cards on the market that offer a longer interest-free period on purchases or a longer interest-free period on balance transfers, but what makes this card stand out is the combination of both its purchases offer and balance transfer period as well as reward points. Cards that offer reward points are few and far between, so to have this part of the overall package makes it a great credit card option.

The M&S Shopping Plus Credit Card credit score

M&S states that it will undertake a credit register search and view your credit score as part of the application. Meanwhile, it requires applicants to be UK residents and be aged 18 or over.

Is the M&S Shopping Plus Credit Card a good choice for you?

The M&S Shopping Plus Credit Card is a great all-rounder. However, if you are not fussed about having the combination of both 0% purchases and balance transfer periods, then there are other cards out there that may be more suited to your needs.

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