Surely if you don't need the 2 years 8 months on the aa card then this 2 year card and £30 cashback plus £5 to spend in m&s has to be worth it! Buy that boiler for a grand and get 3% cashback as you'd get the £30 back
New M&S credit card* holders get a decent 25 months 0% on spending. Plus those who apply via our link by Thu 3 Aug and spend at least £100 on it by Thu 31 Aug will get £30 cashback - though only do your normal spending on it.
If that wasn't a good deal on its own, you'll also be sent a voucher. Swipe this at the till the first time you use the card at M&S (you can spend on most things, incl food) and you get 500 bonus M&S points worth £5.
To get the £30 cashback, apply for the card by Thu 3 Aug and spend at least £100 by Thu 31 Aug.
The cashback will be credited to your account no later than Sat 30 Sep.
You won't be eligible for the voucher if you already hold an M&S credit card or have done within the last year.
You'll also get a voucher to swipe (or use the code online) which will get you 500 bonus points once you use your card to pay for something in M&S. The 500 points are equivalent to a £5 M&S gift voucher. This voucher will be sent by post with your card.
You'll earn one point for every £1 spent in M&S stores and one point for every £5 elsewhere. One point is equivalent to 1p, and points will convert into M&S vouchers every three months.
Make sure you fully clear the card by the end of the 0% period or you'll be charged 18.9% interest on any remaining balance.
You'll either get the full 25-month deal or you'll be rejected; M&S Bank won't accept you and then give you fewer months at 0%, unlike some providers.
Poorer credit scorers could get a higher interest rate, up to 22.9%, but if you've cleared it by the end of the 0% period then this won't matter.
Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.