M&S Purchase Plus Credit Card

Many shoppers in the UK know Marks & Spencer for quality food, clothing, and home goods — but fewer realise the brand also offers a credit card that can be surprisingly versatile.

The M&S Purchase Plus Credit Card is built for people who want breathing room when making larger purchases. Its generous interest-free terms allow cardholders to split costs into smaller payments over time, with no extra charges during the promotional period.

Where it stands out is in combining those financing terms with a loyalty programme tied directly to M&S vouchers. For those who regularly shop at the retailer, everyday spending turns into a steady stream of rewards.

Why It Appeals to UK Shoppers

One of the main draws is the 0% interest window on purchases — up to 24 months from opening the account. That’s long enough to comfortably spread out the cost of a sofa, a new laptop, or even seasonal shopping sprees. There’s also a 0% balance transfer offer for up to 12 months (with a 3.49% fee, minimum £5) when arranged within the first 90 days, useful for clearing smaller debts at a controlled cost.

No annual fee means it’s easy to keep the card even if it’s not used every day. And the rewards are simple: 1 point for every £1 spent at M&S, 1 point for every £5 spent elsewhere, with 100 points translating into a £1 voucher.

How It Operates Day-to-Day

From the moment the account is activated, the clock starts on the promotional purchase rate. As long as the minimum payment is made each month, no interest is applied during this term. When it ends, the standard representative APR of roughly 24.9% variable takes over — so paying off what’s owed before that point is the smart move.

Vouchers are sent out quarterly when at least 200 points are collected. For loyal M&S customers, those rewards can arrive quickly and feel like a bonus for spending they would have done anyway.

Looking at Competitors

Compared to other UK purchase cards, the M&S version offers one of the longest purchase terms on the market. Barclaycard’s Platinum Purchase and Halifax’s Purchase Credit Card both have slightly shorter 0% periods — 21 and 20 months respectively — and neither pairs that length with the same M&S voucher system. The balance transfer term is shorter than some rivals, but still provides a handy year-long interest-free window for smaller amounts.

Where It Fits Best

The card works well for people who:

• Shop at M&S often and want rewards tied to their favourite store.
• Need to spread out payments for large planned purchases.
• Want a secondary card without an annual fee.
• Have small balances on other cards they’d like to move temporarily.

The Bottom Line

It’s not a one-size-fits-all card — the rewards outside M&S aren’t the strongest — but for regular shoppers and those planning big-ticket purchases, the M&S Purchase Plus Credit Card offers a rare mix of payment flexibility and direct-value rewards. Paired with another rewards-focused card for spending beyond M&S, it can be part of an efficient, money-saving strategy in 2025.