M&S Credit Card Shopping 25 months PLUS £30 cashback!! Plus extra bonus points
87°Expired

M&S Credit Card Shopping 25 months PLUS £30 cashback!! Plus extra bonus points

4
Found 27th Apr
M&S CREDIT CARD SHOPPING PLUS OFFER
Exclusive offer – £30 cashback
£30 cashback if you complete a balance transfer of over £100 or spend over £100 on your card by 30 June 2017 (apply by 31 May 2017). The cashback will be applied to your card by 31 July 2017. See terms and conditions for more information.
0% on shopping for 25 months
0% on balance transfers for 25 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
Earn M&S points every time you shop

Need-to-knows
To get the £30 cashback, apply for the card by Wed 31 May and spend at least £100 by Fri 30 Jun.
The cashback will be credited to your account no later than Mon 31 July.
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.
This is a spend card as the BT fee is quite high! Even though only 25 months surely the £30 cashback has to be worth it as it will be applied to your account and will reduce your balance!

4 Comments

The m&s credit card is a decent MasterCard, easy online account access and they are quick to answer calls too. Been using it fur years, only downside is they slashed how the points scheme works so gotta spend a lot now to ever see enough vouchers stack up

Original Poster

This is a decent card you can spend £100 and get £25 off

freebiehunter

The m&s credit card is a decent MasterCard, easy online account access … The m&s credit card is a decent MasterCard, easy online account access and they are quick to answer calls too. Been using it fur years, only downside is they slashed how the points scheme works so gotta spend a lot now to ever see enough vouchers stack up



How generous was the scheme previously?

dudea729

How generous was the scheme previously?



1 point per pound m&s, 1 point per £2 everywhere else. Now its 1 point per £5 spend everywhere else, so works out that you have to spend £300 more everywhere else compared to how it was before to earn £1 (so £500 to earn £1 reward) so it's not so generous for points on non-m&s spends. I've had hundreds of pounds of vouchers over the years but this really ruined it a bit for rewards
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