By: Kate Anderson | Updated: 13th February 2019.
The M&S Shopping Plus 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 programme, making it a great all-rounder card.
The M&S Shopping Plus credit card ticks a lot of the boxes to make a great credit card. For starters, there's a long 20-month 0% period on new purchases. But you can add to that a 20-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.Read full review >
|Representative rate||19.9% APR (variable)|
|Purchase rate||19.9% p.a. (variable)|
|Assumed credit limit||£1,200|
This card ticks a lot of the right boxes to make it a solid overall package. It has a long 20-month 0% period on new purchases matched by a 20-month 0% period for balance transfers, plus the M&S points rewards programme and a welcome points-bonus offer. There’s not much else you could ask for from a card.
It’s the combination of offers on the M&S Shopping Plus card that make it stand out from the crowd.
I worked on the front line of personal-finance best buys for over eight years at one of the world’s largest research companies, Nielsen. I reported daily on the developments of the 2008 financial crisis and beyond, keeping up with the changing financial landscape and providing insights to all the major banks in the UK. I know the key players in the market and the tactics behind how they behave. All of which I will apply to highlight the best deals and give honest reviews to help you in your search.
While there is a lot to like about this card, there are a few elements that stand out as not ideal.
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.
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.
The M&S Shopping Plus Card is a great all-rounder. Its purchases period matches that of its balance transfer offer, meaning that you won’t lose out on one over the other. However, if you are not fussed about having the combination of both, then there are other cards out there that will be more suited to your needs.
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