Marks & Spencer Credit Card Review

0% Interest on new purchases, travel club & more

With the M&S Credit Card, it's a Credit Card from a name you know - Marks & Spencer. You'll get 0% interest on balance transfers & new purchases (see summary table for details), plus a Travel Club. If you're looking for a credit card that offers a long 0% balance transfer period, then take a look at the Virgin Credit Card.

For every £1 on your M&S Credit Card, you'll receive 1 reward point, if you're spending at M&S, you'll receive 2 reward points for every £1 spent. Four times a year, you'll receive a voucher to spend at M&S, totalling £1 for every 100 points collected. You'll also be able to collect bonus points from time to time - for more information on these bonus points, see the M&S website.

Card Summary

As well as the reward points offered by the MS Credit Card, you'll also be offers, in association with Thomas Cook. This includes savings of up to 8% on your holidays (in addition to discounts already offered by the tour operator), assistance on all trips that you're planning and M&S reward points when you book your holiday using your M&S card.

You may also want to consider joining the M&S Premium Club (membership fee £10 per month) - offering tripple reward points, travel insurance, drinks vouchers, treats & delights.

Benefits include (some conditions may apply)

• M&S Rewards - collect points that let you treat yourself instore
• Save up to 8% off thousands of holidays with our exclusive Travel Club
• Buy M&S Travel Money with no cash advance or foreign exchange fees
• 24 hour account access - online or by phone
• M&S Credit cardholders can join our exclusive M&S Premium Club for only £10 a month for an initial 12 month period