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If you're a die-hard M&S shopper, this could be the ideal card for you. This M&S credit card gives reward points when you spend anywhere, though you get five times more points if you spend at M&S.
Need to knows
- 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 will convert into vouchers every three months.
- After 25 months, you'll be charged 18.9% representative APR if you don't pay the card off in full.
- Annual fee: None
- Reward scheme: M&S points
- Value of one point: 1p
- Points' expiry?: Points for two years
- Points per £100: 100 in M&S; 20 elsewhere
A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR would be 18.9% (variable).
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