Marks and Spencer Credit Card

When you are searching for a credit card, one of the main things that you look into is the interest rate that is offered. You also look at the rewards that are available for using different credit cards, as well as the brand who are actually offering you the card.

Overall, you want a respected credit card which offers you plenty of deals and which does not cost a fortune to use. For that reason, the Marks and Spencer credit card may be exactly what you are looking for.

What Does the Marks and Spencer Credit Card Offer?

When you look into the benefits of the Marks and Spencer credit card, you will see that there are some good offers to take advantage of. The main benefits include:

• 0% balance transfer for six months
• 0% interest for ten months
• Earn redeemable points on what you spend
• You will be a part of the M+S Travel Club
• Fraud protection

All of the above make the Marks and Spencer credit card one of the best cards available. The main ones that will benefit you the most are likely to be the 0% on purchases and the redeemable points. Not many credit cards today still offer 0% on purchases, so to find one that offers 0% for ten months is extremely good. It doesn’t matter what you purchase; you won’t have to pay any interest on it at all for the first ten months that you own the credit card.

The M&S loyalty scheme is also valuable. Whatever you spend on the card, you will earn points for. Those points are transferred into Marks and Spencer vouchers four times a year. This can come as a pleasant surprise when you forget about what you are spending and then you receive the vouchers through the post. If you are going to be spending money anyway, then why not make the most of it and get something back?

If you have an overdue balance on an existing credit card then it may be a good idea to switch it over to the Marks and Spencer credit card. With 0% balance transfer rate for six months, it gives you plenty of time to pay off your debt without the extra expense of added interest.

Finally, by owning and using the Marks and Spencer credit card you will also be able to benefit from their Travel Club. In partnership with Thomas Cook, you could save at least 8% on all holidays that you book through them. They will also help you to plan absolutely everything needed for your holiday.

Overall the Marks and Spencer credit card is absolutely fantastic to own and it does feature some really good benefits. Typically, the interest on the card is 15.9%, which is around average for a credit card. So if you are looking for a new credit card and you would like to get more for your money then the Marks and Spencer card may just be what you are looking for.