M&S Purchase Plus Review  

Unlock exclusive perks and seamless spending with the M&S Credit Card Purchase Plus. Shop smart today!

The M&S Purchase Plus is more than just a credit card; it’s a tool designed to elevate your shopping experience, blending convenience with rewarding benefits. This card offers exclusive perks to enhance both your spending and saving potential, promising more value with every purchase.

With the M&S Card Purchase Plus, you’re not just carrying a card? You’re holding an opportunity. Ideal for those who want to enjoy shopping with added peace of mind, this card provides a unique advantage that makes it a valuable addition to any wallet.

CREDIT CARD

M&S Purchase Plus

0% interest on shopping Earn M&S vouchers

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Discover the Benefits of the M&S Purchase Plus Credit Card

• 0% Interest on Purchases for Up to 24 Months

Make your purchases now and spread the cost over up to 24 months without incurring any interest. This feature provides a practical way to manage your finances, especially for larger expenses.

• 0% Interest on Balance Transfers for Up to 12 Months

Transfer existing credit card balances and enjoy 0% interest for up to 12 months on transfers made within 90 days of account opening (3.49% fee, minimum £5). This can help consolidate your debts and potentially reduce your overall interest payments.

• Earn M&S Vouchers as You Spend

Every time you use your credit card, you earn Rewards points that are converted into M&S vouchers. Earn 1 point for every £1 spent at M&S and 1 point for every £5 spent elsewhere. For example, spending £500 at M&S would earn you 500 points, equivalent to £5 in vouchers.

• Up to 55 Days Interest-Free Credit

Benefit from up to 55 days of interest-free credit when you pay your balance in full and on time each month. This feature allows you to manage your cash flow effectively without incurring additional costs.

• Additional Cardholders

Share the benefits by adding an additional cardholder over the age of 18 to your account. This enables both of you to earn M&S points on all your shopping, maximising your rewards.

• Comprehensive Online Account Management

Monitor and manage your account anytime through Internet Banking and the M&S Banking App. This includes viewing your credit card PIN, securely confirming online payments, and receiving notifications when you spend.

• Enhanced Security Measures

Shop with confidence knowing that advanced security systems are in place to protect your card against fraudulent activities, ensuring peace of mind wherever you use your card.

• Personalised Offers with Sparks

Register for Sparks to benefit from personalised offers, a charity donation with every purchase, and more when you shop at M&S. This adds an extra layer of rewards to your shopping experience.

Who Can Apply for the M&S Purchase Plus Credit Card?

• UK Residents Aged 18 or Over
  Applicants must be at least 18 years old and a resident of the United Kingdom. This ensures compliance with UK financial regulations.
• Good Credit History
  A positive credit history is essential. This indicates to the bank that you have managed previous credit agreements responsibly.
• Regular Income
  Having a regular income demonstrates your ability to meet monthly repayments, a key factor in the approval process.
• No Recent Bankruptcy
  Applicants should not have been declared bankrupt or had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) in the recent past. This reflects financial stability.
• Valid UK Bank Account
  A UK bank account is necessary for managing your credit card payments and transactions.
• Permanent UK Address
  A stable residential history in the UK supports your application, indicating reliability and traceability.

How to Apply for the M&S Purchase Plus Credit Card

• Check Your Eligibility
  Before applying, use the credit card eligibility checker to assess your likelihood of acceptance without affecting your credit score. This step helps you make an informed decision.
• Complete the Online Application
  Fill out the online application form with your personal and financial details. Ensure all information is accurate to avoid delays.
• Provide Necessary Documentation
  You may be required to submit documents such as proof of income or identification. Having these ready can expedite the process.
• Await Approval Decision
  The bank will assess your application and inform you of their decision. This typically involves a credit check and evaluation of your financial circumstances.
• Receive and Activate Your Card
  Upon approval, your credit card will be sent to you. Follow the provided instructions to activate it before use.
• Set Up Account Management
  Register for Internet Banking and download the banking app to manage your account efficiently. This allows for easy monitoring and control of your finances.

Frequently Asked Questions

What is the representative APR for the credit card?

The representative APR is 24.9% variable, with a purchase rate of 24.9% per annum variable, based on an assumed credit limit of £1,200.

Are there any fees for balance transfers?

Yes, a fee of 3.49% (minimum £5) applies to balance transfers made within 90 days of account opening.

How are Rewards points converted into vouchers?

Rewards points are converted into M&S vouchers and sent to you quarterly. For every 100 points earned, you receive £1 in vouchers.

Can I manage my credit card account online?

Yes, you can manage your account through Internet Banking and the banking app, providing convenient access to your account details and transactions.

CREDIT CARD

M&S Purchase Plus

0% interest on shopping Earn M&S vouchers

APPLY NOW You will be redirected