What we will discuss this time is a rewards card from an M&S credit card, namely the M&S rewards credit card, and this card has been labeled by Mastercard so that you can do all transactions almost all over the world. What’s interesting about this card? See more here.

Do you need a credit card that can transfer existing card debt to save a little interest, to get more rewards for all your daily expenses, actually the card fits the bill perfectly. How? Still don’t understand?

Yes, that’s right. As a card with an M&S label you can get the most out of all the card’s benefits if you are a regular M&S shopper no doubt – with your loyalty points that can be claimed to become vouchers, which can then be spent again in stores or on line.

And the good news is that you can earn I would say a huge amount of points every time you use this M&S card, you will earn points at the rate of £1 when you shop with an M&S credit card. and if you are a bounty seeker you are in luck as this M&S card also provides some rewards that can be redeemed elsewhere.

It is most likely that you would prefer to look at a more flexible rewards program or even another cashback credit card. Don’t forget this M&S credit card because, you can add free additional card holders to your family and colleagues, and close friends, so that it can help you get loyalty points faster. Of course you will be fully responsible for all purchases in existing additional accounts,

Overview of the M&S rewards shopping plus credit card

What kind of credit limit will you get with M&S Bank Shopping plus? and what things can you get with this M&S credit card? M&S Bank offers you a deal, with this offer of course you are notified of a personalized credit limit based on M&S Bank’s assessment of your credit score.

And the minimum limit offered on this card is £500, but the good value of the M&S Bank credit card does not determine maximum limit that you can use. Why is that? After you have had a card for a while, you will be monitored by M&S Bank itself to convince M&S Bank that you are a reliable person.

So when you want to apply for a credit limit, there is no compromise with a good credit score. At Marks and Spencer’s you earn 1 point for every pound you spend and 1 point for every 5 pounds you earn elsewhere. 100 points = 1 euro gift certificate. Points are redeemed for gift certificates four times a year.

Can I withdraw cash using M&S Credit Card?

 Like using a credit card, of course you can make cash withdrawals with this card, but things to be aware of. Although it is possible to make cash withdrawals, withdrawing cash from a credit card account is usually not a good idea, because “as I often say, do Cash withdrawals with credit cards often incur a fee, and the interest rate is higher.

How much is the cash withdrawal fee on the M&S Credit Card? is around 2.99% (and a £3 minimum withdrawal). For example, if you withdraw £50 in cash with this card, it will cost you £3.00. And if you withdraw £250, you will be charged a hefty £7.48.

Then the interest rate on your balance will increase to 29.9%, about 25% higher than the standard purchase interest rate when using a credit card directly without withdrawing cash (not to mention being charged from the day of the transaction in the grace period “up to 55 free days flower”).

And other questions that often arise such as. Can I transfer balances from other types of M&S Bank cards to M&S Bank Shopping Plus Credit Cards? The answer is “No”. Please note that M&S ​​Bank does not accept balance transfers from credit cards issued by the HSBC group.

And how much is the transaction fee for M&S Bank Credit Cards overseas? For this question, M&S bank shopping plus credit card actually issues a statement that for every non-sterling transaction will be charged 2.99% (a very standard amount).

So for example, if you wanted to spend around 200 euros (£172.62), it would cost you around £5.16. And what is the minimum amount that must be paid to the M&S Bank Shopping Plus Credit Card?

More or less Every month you should be paying at least 2.5% of your balance or £5.00 from whichever is the greater of the 2 digits. So if you have £180.00 owed you will pay £5.00, and if you have £800.00 in arrears you will pay around £20.00. month

Additional information

No down payment and 55 days of interest free purchases with the M&S Travel Money card, free home delivery on purchases over £500. Great travel deals for M&S credit card customers shopping at M&S ​​offices. 54 coins available.

Join Club Rewards for £10 per night and get triple points when you shop at M&S, triple points when you shop overseas, free unlimited next day delivery on M&S.com, 3 x £15 vouchers on home and clothing , 32 vouchers £88 Hot drink, £20 Christmas Voucher for home and clothing, £12 M&S birthday voucher.

Conclusion about the M&S rewards shopping plus credit card

This is a credit card that matches or balances against other similar products on the market. And we have also looked at a number of important factors, such as the offer period, transfer fees, bid restrictions, and the potential associated with running the card both in the short and long term.

So in conclusion we highly recommend this card especially with the welcome bonus that is of course to make this card even more interesting, but the choice is certain, of course you yourself determine, credit card comparisons are sometimes very necessary where every advantage of a credit card must have its drawbacks too, choose one that really fits your criteria.

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