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M&S Credit Card Purchase Plus vs M&S Credit Card Transfer Plus vs M&S Rewards Credit Card

At a glance
  • Purchase interest (APR): not confirmed for M&S Credit Card Purchase Plus and M&S Rewards Credit Card, so we don't say which is lower.
  1. M&S Credit Card Purchase PlusMarks & Spencer (M&S) Bank3 of 8 facts on file · annual fee not yet checked
  2. M&S Credit Card Transfer PlusMarks & Spencer (M&S) Bank3 of 8 facts on file · annual fee not yet checked
  3. M&S Rewards Credit CardMarks & Spencer (M&S) Bank3 of 8 facts on file · annual fee not yet checked
Rewards programWhere the points or cash back go.
M&S Credit Card Purchase Plus
M&S Rewards
M&S Credit Card Transfer Plus
Not confirmed
M&S Rewards Credit Card
M&S Rewards
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for M&S Credit Card Purchase Plus and M&S Rewards Credit Card, so no card is marked lower.
M&S Credit Card Purchase Plus
Not confirmed
M&S Credit Card Transfer Plus
24.9%
M&S Rewards Credit Card
Not confirmed
Listed underThe sections of this site the card appears in.
M&S Credit Card Purchase Plus
Balance Transfer, Low Interest, Store & Retail, 0% Intro Purchases
M&S Credit Card Transfer Plus
Balance Transfer, Low Interest, Store & Retail
M&S Rewards Credit Card
Balance Transfer, Rewards, Store & Retail, Welcome Bonus
NetworkSame on allWhere the card is accepted.
M&S Credit Card Purchase Plus
Mastercard
M&S Credit Card Transfer Plus
Mastercard
M&S Rewards Credit Card
Mastercard
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Not confirmed for any of these cards: Annual fee, Foreign transaction fee, Top earn rates, Welcome offer. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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  • M&S Credit Card Purchase Plus
  • M&S Credit Card Transfer Plus
  • M&S Rewards Credit Card
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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

M&S Credit Card Purchase Plus reviewM&S Credit Card Transfer Plus reviewM&S Rewards Credit Card review
Questions

Frequently asked

Can I hold M&S Credit Card Purchase Plus, M&S Credit Card Transfer Plus and M&S Rewards Credit Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United Kingdom?

Every card in this comparison is issued for United Kingdom. Approval depends on each issuer's credit and income criteria.