The 0% balance transfer card offers 0% for up to 27 months on balance transfers made within 90 days of opening the card, with a 3.49% fee. The card has a representative APR of 24.9% (variable).
There's also an interest-free credit card offering 0% on purchases for 20 months. This has a representative APR of 24.9% (variable).
Both cards allow you to build up points when shopping in-store and online – you can earn one point per £1 spent at M&S and one point for every £5 spent elsewhere. Points can then be exchanged for M&S vouchers.
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M&S Bank achieved a customer score of 78% in our latest credit card provider satisfaction survey. It came in third out of 31 providers.
While M&S Bank had a high provider customer score, its range of deals didn't meet the benchmarks in our product analysis to become a Which? Recommended Provider.
Our survey also reveals how M&S Bank credit card customers rated the provider across five categories:
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review M&S Bank to find out more about our research.
Grace, our credit card expert, answers the top questions people have about M&S Bank credit cards.
M&S Bank offers an eligibility check that will confirm whether you qualify for the card before you apply.
M&S Bank credit cards are on the Mastercard network, which means they're accepted in millions of places in the UK and abroad.
M&S Bank is part of the HSBC Group.
Here's some more information about our research and the terms we use in this review.
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
To be a Which? Recommended Provider for credit cards, a company must:
Only the lenders that meet our benchmarks on customer service and product offering can become Which? Recommended Providers.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
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4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.
Other financial services:
Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We do not make, nor do we seek to make, any recommendations or personalised advice on financial products or services that are regulated by the FCA, as we’re not regulated or authorised by the FCA to advise you in this way. In some cases, however, we have included links to regulated brands or providers with whom we have a commercial relationship and, if you choose to, you can buy a product from our commercial partners.
If you go ahead and buy a product using our link, we will receive a commission to help fund our not-for-profit mission and our campaigns work as a champion for the UK consumer. Please note that a link alone does not constitute an endorsement by Which?.
