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Mastercard0/4 on file
Annual fee not published where we checked
Marks & Spencer (M&S) Bank · Mastercard

M&S Credit Card Transfer Plus

Balance TransferLow InterestStore & Retail

The M&S Credit Card Transfer Plus is a Mastercard from Marks & Spencer (M&S) Bank. Marks & Spencer (M&S) Bank does not publish its annual fee where we checked (October 2026), so we leave it blank rather than guess. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: purchase APR (Sep 2026). Not yet checked with Marks & Spencer (M&S) Bank: credit requirement. Marks & Spencer (M&S) Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Annual feeNot confirmedNot published by the issuer where we checked ()
Apply on Marks & Spencer (M&S) BankCompare this card
Opens Marks & Spencer (M&S) Bank’s site
Ledger entry

The receipt

Every cost line we hold for the M&S Credit Card Transfer Plus, exactly as recorded.

Annual fee
Not confirmedNot published by the issuer where we checked ()
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
24.9%Checked marksandspencer.com
Income requirement
Not confirmed
Network
Mastercard
Credit needed
NoneNot yet checked with Marks & Spencer (M&S) Bank
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the M&S Credit Card Transfer Plus. That may mean there isn’t one, or simply that we have not recorded it — Marks & Spencer (M&S) Bank’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the M&S Credit Card Transfer Plus. Rather than print a multiplier we cannot source, this stays blank until Marks & Spencer (M&S) Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Section 75 purchase protection on eligible purchases between £100-£30,000
Next step

Ready to apply for the M&S Credit Card Transfer Plus?

You'll finish the application on Marks & Spencer (M&S) Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Marks & Spencer (M&S) Bank’s site
Questions

Questions about the M&S Credit Card Transfer Plus

How much is the M&S Credit Card Transfer Plus annual fee?

Marks & Spencer (M&S) Bank does not publish an annual fee for the M&S Credit Card Transfer Plus where we checked (October 2026), so we do not print one. Ask Marks & Spencer (M&S) Bank for the current fee before you apply.

What does the M&S Credit Card Transfer Plus earn?

We could not verify the M&S Credit Card Transfer Plus's earn rates, so we do not print a multiplier. Check them on Marks & Spencer (M&S) Bank's own site.

What network is the M&S Credit Card Transfer Plus on?

The M&S Credit Card Transfer Plus runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the M&S Credit Card Transfer Plus available in United Kingdom?

Yes — the M&S Credit Card Transfer Plus is issued by Marks & Spencer (M&S) Bank and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.

When were the M&S Credit Card Transfer Plus figures last checked?

We checked its purchase APR in September 2026, against a published document. Not yet checked with Marks & Spencer (M&S) Bank: credit requirement. Not published by Marks & Spencer (M&S) Bank where we checked: annual fee. We could not verify, so we do not print: foreign transaction fee, earn rates and welcome offer. Check them with Marks & Spencer (M&S) Bank. Terms can change without notice, so confirm the current details with Marks & Spencer (M&S) Bank before you apply.