M&S Bank Credit Card – See How to Apply Online

M&S Bank offers a wide range of great credit card options for you to choose from. This includes the Shopping Plus package, Transfer Plus package and Rewards package. 

In this article, we will be discussing everything there is to know about these credit card offers, including how you can apply. More so, we will mention a number of rewards that you can receive after signing up with the bank. 

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  • What Is the M&S Bank Credit Card?
  • Your Creditworthiness
  • The Shopping Plus Offer
  • The Transfer Plus Offer
  • The Rewards Offer
  • The M&S Sparks Card
  • Using the M&S Credit Card Abroad
  • How to Make a Balance Transfer
  • Contact the Bank
M&S Bank Credit Card - See How to Apply Online
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What Is the M&S Bank Credit Card?

As we have already mentioned, there are multiple credit card options for you to choose from if you sign up with M&S Bank. The different cards all come with their own terms and conditions. 

M&S Bank Credit Card - See How to Apply Online
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For this reason, it is very important that you do your research before committing to one package.

The three cards include the Transfer Plus card, the Shopping Plus card and the Rewards card. We will discuss each of these options in more detail later on. 

However, if you would like to find out more about these cards, be sure to check out the official M&S website

Card Descriptions

In short, the Shopping Plus card is better suited for the purchase of everyday items

On the other hand, the Transfer Plus card is designed to make it cheaper and easier to transfer funds between bank accounts. 

Lastly, the Rewards offer is a rewards card that ensures clients receive cash-back or a number of other benefits when they make purchases. 

Your Creditworthiness

When it comes to signing up for a credit card, your creditworthiness is of utmost importance. In fact, the amount of interest that you pay on every purchase will be determined by your monthly income. 

M&S Bank Credit Card - See How to Apply Online
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In short, your creditworthiness is calculated based on the amount of money you earn every month. If you earn more than the set standard, you will be eligible for certain cards. 

On the other hand, if your monthly income is below the standard, you, unfortunately, will not be able to sign up for the card of your choice.

For this reason, it is very important that you check your eligibility beforehand. 

Check Your Eligibility

There are different ways in which you can check your eligibility and creditworthiness

The M&S website offers a test that you can take in order to determine which card you can and cannot sign up for. 

The Shopping Plus Offer

As we have already mentioned, the Shopping Plus credit card is the best option for everyday purchases

M&S Bank Credit Card - See How to Apply Online
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One of the biggest benefits of this option is the fact that you will not have to pay any interest on purchases made within 20 months of receiving the card. 

There is also a 0% transfer fee during the same time period. With this card, you will earn points every time you make a purchase. The card is very easy to sign up for.

In fact, it will take you less than 3 minutes to complete the entire application process. It is important to note that the card is only available to clients over the age of 18.

Representative Example

The card features a purchase rate p.a. of 21.9% (variable). 

It also has a variable APR representative rate of 21.9%. The assumed credit limit of this specific card lies at 1,200 Euros

To check your eligibility and apply for this credit card, just visit the website

The Transfer Plus Offer

This credit card is better suited for making transfers between different accounts. Again, it is incredibly easy to apply for this card. 

M&S Bank Credit Card - See How to Apply Online
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The entire process can be completed on the official M&S website, making it quick and convenient. 

With this credit card, you will pay 0% on balance transfers for the first 29 months after receiving your card. This offer is available from 90 days after opening your account. 

You will also pay 0% on any purchases for the first 3 months. Like all M&S credit cards, you will earn points with every purchase that you make using the card. 

Representative Example

This credit card features a variable purchase rate p.a. of 21.9%. The representative APR rate also sits at 21.9% (variable). 

Similarly to the Shopping Plus credit card, the assumed credit limit of this card is 1,200 Euros. 

To check your eligibility and apply for this credit card, just visit the website

The Rewards Offer

This rewards card is the best choice for clients looking to earn rewards and cash back on their purchases. 

M&S Bank Credit Card - See How to Apply Online
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Unlike the other two packages, you will earn double points on all your shopping within the first 12 months of opening your account. 

You will also pay 0% interest on all your shopping within this time period. On top of this, the card includes a 0% interest rate on all balance transfers within this 12 month period. 

The rewards card can be used to obtain a number of great rewards and benefits. For example, it can earn you cash-back on certain purchases. More so, the points can be used for discounts.

Representative Example

With this card, you will receive a purchase rate p.a. of 19.9%. It is important to note that this value is variable

On top of this, there is an APR representative rate (variable) of 19.9%. Like the other credit card options, the assumed credit limit of the card lies at 1,200 Euros. 

To check your eligibility and apply for this credit card, just visit the website

The M&S Sparks Card

If you want access to even more rewards and benefits, you can sign up for the M&S Sparks card. This option allows you to earn M&S Bank points. 

M&S Bank Credit Card - See How to Apply Online
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With this card, a number of things will happen with every single purchase that you make. 

For example, every single week, M&S chooses one lucky Sparks cardholder and gives them a full refund on one purchase that they made during that specific week. 

You will also accumulate a number of points with this rewards card, meaning that it can be used to redeem cash or receive discounts

Signing Up for a Sparks Card

If you are interested in signing up for a Sparks card, be sure to download the M&S banking app today. 

There, you will be sure to learn even more about the card, including how it can be used and how to sign up. 

You can also visit the Sparks page for additional information. 

Using the M&S Credit Card Abroad

The M&S credit card can be used anywhere in the world. Unlike other cards, you will not need to contact the bank before leaving the country. 

M&S Bank Credit Card - See How to Apply Online
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For your convenience, the bank will actually track your activity and monitor any foreign transactions. 

If you have any questions regarding using your M&S credit card abroad, be sure to check out the website

On top of this, the bank recommends that you save their number on your phone before leaving the country. In this way, you will be able to contact the bank if there are ever any issues. 

MasterCard 

You will be able to use your M&S credit card to pay for any goods and services whenever the Mastercard logo is present. 

On top of this, you will be able to withdraw cash where Mastercard is accepted. However, it is important to note that certain fees are applied. 

More so, you will have a daily withdrawal limit of 300 Euros. 

How to Make a Balance Transfer

We already know that M&S credit cards can be used to make balance transfers between accounts. In fact, M&S has made this process incredibly easy and convenient. 

M&S Bank Credit Card - See How to Apply Online
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In order to do this, all you will need to do is sign into or register for internet banking with M&S.

It is important to note that a small fee applies to each amount transferred. This sum will be a minimum of $5, and it will be automatically deducted from your credit card balance. 

You should continue to make payments to your existing provider until the transfer is complete. 

The M&S Website

If you need additional information regarding the M&S Transfer Plus credit card, be sure to visit their official website. 

Here, you will find a far more detailed description of the card. 

The website also includes the fine print of the contract, making it very important that you do your research before signing up. 

Contact the Bank

In order to sign up for your M&S credit card, you will need to contact the bank. 

M&S Bank Credit Card - See How to Apply Online
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You will find their contact details on their website

After sending them a message or email, you should receive a reply within a few days. 

However, you could also give their team of customer support staff a call today. 

M&S Bank

M&S is a very popular and successful bank. If you are looking for a reliable bank that is very easy to work with, they may be the perfect choice for you. 

You can contact them by mail at: M&S Bank, PO Box 10565, 51 Saffron Road, Wigston, LE18 9FT. 

You can also call them on 0345 600 5860 everyday from 8am to 8pm.

Summary

M&S offers a variety of credit cards that each include its own advantages. They also offer a number of rewards and benefits according to how much you spend. 

If you would like to sign up for one of these cards, be sure to check out the M&S website. 
 

Note: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.

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