Preloader Image 1 Preloader Image 2

M&S Credit Card Purchase Plus: A Smart 0% Interest Option for UK Everyday Spend

The Marks & Spencer Credit Card Purchase Plus is marketed as a flexible, fee-free credit solution with an introductory 0% interest offer — but how does it really stack up in the UK’s competitive credit card landscape in 2024?

M&S Credit Card Purchase Plus
CREDIT CARD
M&S Transfer Plus Offer Mastercard
0% interest on shopping 0% interest on balance transfers
SEE HOW TO APPLY You will remain on the current site

The Marks & Spencer Credit Card Purchase Plus is marketed as a flexible, fee-free credit solution with an introductory 0% interest offer — but how does it really stack up in the UK’s competitive credit card landscape in 2024?

Let’s explore whether this is a smart move for shoppers, diners, and everyday spenders seeking purchase protection, interest-free periods, and added loyalty perks.

Top Benefits of the M&S Purchase Plus Credit Card

  • 0% interest on purchases for up to 15 months (introductory offer)
  • No annual fee — ever
  • Earn M&S points on all card spending
  • Up to 55 days interest-free on each purchase (after promo period)
  • Accepted worldwide as a Mastercard
  • Digital card management via M&S Banking app

Bonus: Points can be redeemed on clothing, homeware, and food in-store or online at M&S — perfect for loyal customers.

How It Works in Practice

The key attraction is the 15-month 0% interest period on purchases, making it ideal for big one-off buys or spreading out regular expenses like groceries, travel or electronics — without incurring any finance charges.

All purchases accumulate M&S points:

  • 1 point per £1 spent at M&S
  • 1 point per £5 spent elsewhere
  • 100 points = £1 in M&S vouchers

No foreign transaction fees are advertised, though it’s worth checking current T&Cs if planning to use the card abroad.

How It Compares to Other UK Cards (2024)

FeatureM&S Purchase PlusBarclaycard PlatinumTesco Clubcard Plus
0% Purchase Interest Period✅ Up to 15 months✅ Up to 24 months✅ 12 months
Rewards Scheme✅ M&S Points❌ No rewards✅ Clubcard Points
Annual Fee❌ None❌ None❌ None
Redemption Options✅ M&S only❌ N/A✅ Tesco-only

M&S stands out for M&S-focused rewards + long interest-free period. Barclaycard offers a longer 0% window but no loyalty perks.

Who Benefits Most from This Card?

  • Shoppers planning a large purchase (e.g. new furniture or holiday booking)
  • M&S loyalists who regularly shop for groceries, clothing or gifts
  • Consumers looking for purchase protection + flexibility without fees
  • Students or young professionals building credit with low interest risk
SEE HOW TO APPLY
Rodrigo
Written By

Finance specialist and financial market enthusiast, uncovering the mysteries behind the services and products offered by the sectors, helping people make essential and smart decisions.

You might also like