M&S Bank Shopping Plus Credit Card
Best for: M&S shoppers who want 0% on purchases and reward points at M&S
Pros
- No annual fee
- Good 0% purchase window
- Easy, automatic rewards for M&S regulars
Cons
- Low earning rate outside M&S
- Rewards can only be spent at M&S
- Fees for spending abroad
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The M&S Shopping Plus card combines a 0% purchase period with M&S points: 1 point per £1 at M&S and 1 per £5 elsewhere, converted into M&S vouchers four times a year. Outside M&S the earning rate is thin, so it works best as a dedicated M&S card or as a 0% tool for a large purchase.
M&S Bank Shopping Plus Credit Card at a glance
| Issuer | M&S Bank |
| Card network | Mastercard |
| Annual fee | £0 |
| Rewards rate | 1 point per £1 at M&S; 1 point per £5 elsewhere |
| Welcome bonus | Bonus M&S points on spend in the first 90 days |
| 0% intro period | 0% on purchases for around 20 months |
| Representative APR | 24.9% (variable) |
| Non-sterling transaction fee | 2.99% |
| Credit needed | Good |
| Airport lounge access | No |
| Best for | M&S shoppers who want 0% on purchases and reward points |
Rewards & perks
- M&S reward vouchers posted quarterly
- Long 0% on purchases
- Points on M&S food, clothing and home
Pros
- No annual fee
- Good 0% purchase window
- Easy, automatic rewards for M&S regulars
Cons
- Low earning rate outside M&S
- Rewards can only be spent at M&S
- Fees for spending abroad
Who should apply
- UK residents aged 18+ with a good credit history
- People who already spend £100+ a month at M&S
- Anyone wanting a simple 0% purchase card
Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official M&S Bank site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar UK cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
M&S BankShopping Plus 5469 8360 5853 5233 VALID THRU 05/31TAYLOR REED M&S Bank Shopping Plus Credit CardM&S shoppers who want 0% on purchases and reward points |
None | 1 point per £1 at M&S; 1 point per £5 elsewhere | 0% on purchases for around 20 months | 2.99% | Good | |
American Express Preferred Rewards Gold CardTravellers who want transferable points and lounge passes |
£195/yr | 1 Membership Rewards point per £1; 2 points on airlines and at Amex Tr… | None | 2.99% | Good to excellent | |
BarclaycardRewards Visa 4388 9936 5990 6007 VALID THRU 11/30RILEY CHEN Barclaycard Rewards VisaEveryday spending at home and abroad with no foreign fees |
None | 0.25% cashback on all eligible purchases | None | None | Good (Experian “good” band or… | |
American Express Platinum Cashback Everyday CardCashback on everyday spending with no annual fee |
None | 0.5% cashback on the first £10,000 a year, 1% above that | None | 2.99% | Good to excellent |
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