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Eligibility Checker: Full list of credit cards

Updated: 6th May 2021

The credit cards listed below are those which we run through our Credit Card Eligibility Checker. Please fill out our Eligibility Checker form to see your chances of being accepted for the following cards.

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Discover a list of credit cards you may be eligible for. Only takes a few minutes and will not affect your credit score.

Eligibility checker: MyWalletHero's full list of credit cards

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Great for: Everyday cash back with no fee
5 stars question mark
American Express Platinum Cashback Everyday Credit Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

Cashback rewards are hard to come by these days, but if that’s what you’re looking for, the American Express Cashback Everyday Credit Card may be a good bet. The standard cashback yield is 0.5%, but for those that spend more than £5,000, that bumps up to 1% (from 4th August 2021, that £5k figure will change to £10k). New cardholders also get a bonus of 5% cashback over the first three months, which maxes out at £100. Its sister card offers a bigger welcome bonus and higher cashback, but the Everyday Credit Card has the advantage of no fee.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £100, subject to eligibility)
  • 0.5% cashback after first 3 months (if you spend £1 to £5,000/£10k from 4 August ’21))
  • 1% cashback after first 3 months with spending above £5,000 (above £10k from 4 August)
  • Note that you must spend at least £3,000 to earn any cashback
  • No annual fee
  • No cap on cashback earned
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to special offers from American Express offers

REPRESENTATIVE EXAMPLE

Representative APR 22.2% APR variable
Annual fee Based on £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 5% cashback for first 3 months (up to £100, subject to eligibility)
  • 0.5% – 1% cashback after first 3 months, depending on spend
  • No annual fee
  • No cap on cashback earned
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.2%
  • INTRO OFFER:

    5% cashback for first 3 months (up to £100)

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £100, subject to eligibility)
  • 0.5% cashback after first 3 months (if you spend £1 to £5,000/£10k from 4 August ’21))
  • 1% cashback after first 3 months with spending above £5,000 (above £10k from 4 August)
  • Note that you must spend at least £3,000 to earn any cashback
  • No annual fee
  • No cap on cashback earned
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to special offers from American Express offers

REPRESENTATIVE EXAMPLE

Representative APR 22.2% APR variable
Annual fee Based on £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Attractive rewards with no annual fee
4.5 stars question mark
American Express Rewards Credit Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

The American Express Rewards Credit Card gives you access to a popular reward scheme and leaves out the price tag. With no annual fee, you can immediately start feeling the benefit of one Membership Rewards point for every £1 you spend. The real selling point is for new cardmembers, who, if eligible, could earn themselves a windfall of 5,000 bonus points if they spend £2,000 in the first three months. And did we mention no annual fee?

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 1 Membership Rewards Point per £1 spent
  • 5,000 bonus Membership Rewards Points when you spend £2,000 in first three months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £150,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 1 Membership Rewards Point per £1 spent
  • 5,000 bonus Membership Rewards Points when you spend £2,000 in first three months (subject to eligibility)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.2%
  • INTRO OFFER:

    5,000 Membership points if you spend £2,000 in the first three months (subject to eligibility)

KEY SCORES:

  • 4.5/5 Perks
  • 4.5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 1 Membership Rewards Point per £1 spent
  • 5,000 bonus Membership Rewards Points when you spend £2,000 in first three months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £150,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Long 0% purchase and balance transfer, plus points
4.5 stars question mark
M&S Shopping Plus Credit Card *
Apply Now!

On M&S Bank's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

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 18-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 >

CREDIT RATING req:

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

HIGHLIGHTS

  • 0% interest on purchases for the first 20 months
  • 0% interest for 18 months on balance transfers made in the first 90 days
  • 2.9% balance transfer fee
  • Earn M&S points for shopping at M&S and elsewhere
  • Bonus points voucher for 500 M&S points (worth £5 at M&S) mailed with new card

REPRESENTATIVE EXAMPLE

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

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest on purchases for the first 20 months
  • 0% interest for 18 months on balance transfers made in the first 90 days (2.9% fee applies)
  • Earn M&S points for shopping at M&S and elsewhere
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% interest on purchases for 20 months
    0% interest on balance transfers for 18 months

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest on purchases for the first 20 months
  • 0% interest for 18 months on balance transfers made in the first 90 days
  • 2.9% balance transfer fee
  • Earn M&S points for shopping at M&S and elsewhere
  • Bonus points voucher for 500 M&S points (worth £5 at M&S) mailed with new card

REPRESENTATIVE EXAMPLE

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

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Premium charge card experience
4.5 stars question mark
The Platinum Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

If you can get your head around spending £575 a year on a payment card, then you stand to benefit from all that The Platinum Card can offer. This high-end experience from American Express includes access to 1,200 airport lounges worldwide, comprehensive travel insurance for you and your family (subject to enrolment), hotels benefits, Membership Rewards points and a platinum concierge service. Note that this is a charge card, not a credit card, so you have to pay down your balance in full each month.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • Welcome award of 30,000 points after spending £4,000 in the first three months (subject to eligibility)
  • Complimentary airport lounge access at more than 1,200 lounges around the world
  • Comprehensive worldwide travel insurance for you, your family and supplementary cardmembers (subject to enrolment)
  • Hotel, car rental and taxi hire benefits
  • Access to the Platinum Concierge service
  • Special dining benefits through the Global Dining Collection
  • 1 Membership Rewards point for each £1 spent

REPRESENTATIVE EXAMPLE

Not applicable. This is a charge card, so there’s no credit offered.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 1 Membership Rewards Point per £1 spent
  • 30,000 bonus Membership Rewards Points when you spend £4,000 in first three months (subject to eligibility)
  • Complimentary airport lounge access at more than 1,200 lounges around the world
  • ANNUAL FEE:

    £575
  • REPRESENTATIVE APR:

    N/A
  • INTRO OFFER:

    30,000 Membership Reward points if you spend £4,000 in the first three months (subject to eligibility)

KEY SCORES:

  • 5/5 Perks
  • 1/5Fees
  • N/AAPR

HIGHLIGHTS

  • Welcome award of 30,000 points after spending £4,000 in the first three months (subject to eligibility)
  • Complimentary airport lounge access at more than 1,200 lounges around the world
  • Comprehensive worldwide travel insurance for you, your family and supplementary cardmembers (subject to enrolment)
  • Hotel, car rental and taxi hire benefits
  • Access to the Platinum Concierge service
  • Special dining benefits through the Global Dining Collection
  • 1 Membership Rewards point for each £1 spent

REPRESENTATIVE EXAMPLE

Not applicable. This is a charge card, so there’s no credit offered.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Collecting Nectar points for everyday spend
4 stars question mark
American Express Nectar Credit Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

Building up your Nectar point balance is this card’s defining feature. Cardholders can earn 2 points for every £1 spent (except at warehouse retailers), and a minimum of 3 points per £1 spent at Nectar partners when using the credit card and the loyalty card. Add to that a welcome bonus of 20,000 points for eligible new cardholders that spend £2,000 in the first three months, and Nectar scheme users are looking at a decent payout. The card does have a £25 annual fee, but this is waived for the first year of membership.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 2 Nectar points for (almost) every £1 spent
  • 3 Nectar points per £1 at Nectar partners when using your loyalty card, 1 point per £1 at warehouse retailers
  • 20,000 bonus Nectar points when you spend £2,000 in first three months (subject to eligibility)
  • Complimentary additional card, so a family member can help you rack up Nectar points
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Access to American Express’s 24/7 Global Assist service to provide assistance when you travel outside the UK

REPRESENTATIVE EXAMPLE

Representative 27.3% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee Based on £25 (£0 in first year)

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 2 Nectar points for (almost) every £1 spent
  • 3 Nectar points per £1 at Nectar partners when using your loyalty card, 1 point per £1 at warehouse retailers
  • 20,000 bonus Nectar points when you spend £2,000 in first three months (subject to eligibility)
  • ANNUAL FEE:

    £25 (£0 in first year)
  • REPRESENTATIVE APR:

    27.3%
  • INTRO OFFER:

    20,000 Nectar points when you spend £2,000 in first 3 months (subject to eligibility)

KEY SCORES:

  • 3/5 Perks
  • 4/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 2 Nectar points for (almost) every £1 spent
  • 3 Nectar points per £1 at Nectar partners when using your loyalty card, 1 point per £1 at warehouse retailers
  • 20,000 bonus Nectar points when you spend £2,000 in first three months (subject to eligibility)
  • Complimentary additional card, so a family member can help you rack up Nectar points
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Access to American Express’s 24/7 Global Assist service to provide assistance when you travel outside the UK

REPRESENTATIVE EXAMPLE

Representative 27.3% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee Based on £25 (£0 in first year)

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Everyday cash back with an extra boost for big spenders
4 stars question mark
American Express Platinum Cashback Credit Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

If your goal is maximizing your cashback rewards, the American Express Platinum Cashback Credit Card could be your best bet. The downside is that the card carries an annual fee of £25. However, you get 5% cashback over the first three months (up to £125) and 1% cash back after that (0.75% after 4 August 2021). And if you spend more than £10,001, you unlock an even higher 1.25% cashback rate.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £125, subject to eligibility)
  • 1% cashback after first 3 months with spend of £1 to £10,000 (0.75% from 4 August 2021)
  • 1.25% cashback after first 3 months with spend above £10,001
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to American Express offers for retail and travel partners

REPRESENTATIVE EXAMPLE

Representative APR 27.3% APR variable
Annual fee Based on £25
Credit limit Assumed credit limit of £1,200
Purchase rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 5% cashback for first 3 months (up to £125, subject to eligibility)
  • 1%-1.25% cashback after first 3 months, depending on spend (0.75%-1.25% from 4 August ’21)
  • No cap on cashback earned
  • ANNUAL FEE:

    £25
  • REPRESENTATIVE APR:

    27.3%
  • INTRO OFFER:

    5% cashback for first 3 months (up to £125)

KEY SCORES:

  • 4.5/5 Perks
  • 4/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £125, subject to eligibility)
  • 1% cashback after first 3 months with spend of £1 to £10,000 (0.75% from 4 August 2021)
  • 1.25% cashback after first 3 months with spend above £10,001
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to American Express offers for retail and travel partners

REPRESENTATIVE EXAMPLE

Representative APR 27.3% APR variable
Annual fee Based on £25
Credit limit Assumed credit limit of £1,200
Purchase rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: High-end credit card experience
4 stars question mark
American Express Preferred Rewards Gold Credit Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

This card offers a high-end package in the form of a lucrative rewards programme and travel benefits suited to those who enjoy travel and adventure. However, with the comparatively high price of £140 in the form of an annual fee, you should expect a card with all the trimmings.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 1 Membership Rewards Point per £1 spent
  • 20,000 bonus Membership Rewards Points when you spend £3,000 in first three months (terms apply)
  • Airport lounge access (2 complimentary visits per year) at over 700 worldwide airport lounges
  • Anniversary bonus of 10,000 Membership Rewards points for each year when you spend £15,000 during the anniversary year
  • Two points for each £1 spent with airlines or in foreign currency
  • Three points for each £1 spent at American Express Travel
  • Hotel benefits with over 500 hotels, including Hilton, Intercontinental and Hyatt
  • Complimentary membership to Hertz Gold Plus Rewards
  • Gold Cardmembers will now being eligible for up to two separate £5 credits per month when they spend at Deliveroo on their Gold Card

REPRESENTATIVE EXAMPLE

Representative Rate 56.6% APR (variable)
Annual Fee £140 (£0 in the first year)
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 1 Membership Rewards Point per £1 spent
  • 20,000 bonus Membership Rewards Points when you spend £3,000 in first three months (terms apply)
  • Airport lounge access (2 complimentary visits / year) through Priority Pass™ programme
  • ANNUAL FEE:

    £140 (£0 in your first year)
  • REPRESENTATIVE APR:

    56.6%
  • INTRO OFFER:

    20,000 bonus Membership Rewards Points (after spending £3,000 in first 3 months, terms apply),
    £0 annual fee in your first year

KEY SCORES:

  • 3.5/5 Perks
  • 3/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 1 Membership Rewards Point per £1 spent
  • 20,000 bonus Membership Rewards Points when you spend £3,000 in first three months (terms apply)
  • Airport lounge access (2 complimentary visits per year) at over 700 worldwide airport lounges
  • Anniversary bonus of 10,000 Membership Rewards points for each year when you spend £15,000 during the anniversary year
  • Two points for each £1 spent with airlines or in foreign currency
  • Three points for each £1 spent at American Express Travel
  • Hotel benefits with over 500 hotels, including Hilton, Intercontinental and Hyatt
  • Complimentary membership to Hertz Gold Plus Rewards
  • Gold Cardmembers will now being eligible for up to two separate £5 credits per month when they spend at Deliveroo on their Gold Card

REPRESENTATIVE EXAMPLE

Representative Rate 56.6% APR (variable)
Annual Fee £140 (£0 in the first year)
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Collecting Avios on everyday spend
4 stars question mark
British Airways American Express Credit Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

This card is all about the Avios. If you are a new cardmember, then you can earn 5,000 Avios if you spend £1,000 in the first three months. Everyday spending will see you earn 1 Avios for every £1 spent, and there is also a friend referral scheme which offers 4,000 bonus Avios for each friend who is approved (up to 90,000 a year). All of these can then be redeemed as full or part payment against flights, or for flight upgrades. You can also get a Companion Voucher when you spend £20,000 on the card each year. And did I mention there is no annual fee?

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 1 Avios per £1 spent
  • 5,000 Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £75,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 1 Avios per £1 spent
  • 5,000 bonus Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.2%
  • INTRO OFFER:

    5,000 Avios points if you spend £1,000 in the first three months (subject to eligibility)

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 2/5APR

HIGHLIGHTS

  • 1 Avios per £1 spent
  • 5,000 Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £75,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Long balance transfer period
4 stars question mark
HSBC Balance Transfer Card *
Apply Now!

On HSBC's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

Take a look around and you’ll see balance-transfer offers declining. That makes the 29 months on HSBC’s Balance Transfer Card more impressive. Note that there is a balance-transfer fee of 2.75%. 

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 0% interest for 29 months on balance transfers made in first 60 days
  • 2.75% balance-transfer fee applies
  • 0% interest on purchases for the first 3 months
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 29 months on balance transfers made in first 60 days (2.75% fee applies)
  • 0% interest on purchases for the first 3 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% for 29 months on balances transferred in the first 60 days
    0% on purchases for 3 months

KEY SCORES:

  • 5/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest for 29 months on balance transfers made in first 60 days
  • 2.75% balance-transfer fee applies
  • 0% interest on purchases for the first 3 months
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on an assumed credit limit of £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Really long balance transfer period
4 stars question mark
M&S Transfer Plus Credit Card *
Apply Now!

On M&S Bank's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

The M&S Transfer Plus card gives you a very long 29 months of 0% interest on balances transferred in the first 90 days. Users will have to cough up a balance-transfer fee of 2.75% though. Balancing that out, the M&S Transfer Plus also offers 0% for 3 months on purchases and M&S points on all purchases.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 0% interest for 29 months on balances transferred in the first 90 days (2.75% fee applies)
  • 0% interest on purchases for 3 months
  • Earn M&S points for shopping at M&S and elsewhere

REPRESENTATIVE EXAMPLE

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

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 29 months on balances transferred in the first 90 days (2.75% fee applies)
  • 0% interest on purchases for 3 months
  • Earn M&S points for shopping at M&S and elsewhere
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% on balance transfers for 29 months, available for 90 days from account opening
    0% on purchases for 3 months

KEY SCORES:

  • 5/5 Perks
  • 4/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest for 29 months on balances transferred in the first 90 days (2.75% fee applies)
  • 0% interest on purchases for 3 months
  • Earn M&S points for shopping at M&S and elsewhere

REPRESENTATIVE EXAMPLE

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

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.