Over 110 UK credit cards independently reviewed by Fiscus Credit Cards
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&More from Marks and Spencers
This card was last reviewed on Wednesday, 15 March 2006.
| Overall Rating: |
 |
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| Issued By: |
Marks and Spencers |
| Card: |
&More |
| Network: |
MasterCard |
| Category: |
Rewards |
| Acceptance: |
 |
| Insurance: |
Purchase |
| Service: |
Branch network (M&S stores). Call centre. Email. |
| Comments: |
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| Pitch: |
"The new '&more' Credit Card is all about enjoying more of the things you love from Marks & Spencer." |
| Typical APR: |
15.9% |
| Interest Free Days: |
55 |
| Minimum Repayment: |
- |
| Annual Fee: |
No annual fee. |
| APR: |
0% interest |
| Period: |
6 Months |
| Charges: |
- |
| APR: |
- |
| Period: |
- |
| Type: |
Reward Points (&more) |
| Description: |
- |
| Reward Rate: |
0.005 |
| Period: |
- |
| Aimed At: |
Individuals that shop at Marks & Spencers and usually clear their credit card balance in full each month. |
| Review: |
As rewards cards go, the Marks & Spencers card isn’t the worst thing we’ve seen, provided you actually shop frequently at M&S stores. If you do, you effectively earn 1% on your purchases, through vouchers redeemable at M&S. If this card is used elsewhere, it works out at 0.5% earned, again for savings at M&S stores. M&S made the national news recently, when the Office of Fair Trading censured the company for automatically “upgrading” some M&S store cards to the full credit card. Despite this, if you do use the M&S store card (store cards, as a general rule, provide the highest levels of APR around), then this is not such a bad deal at 14.9% APR. As with all rewards cards, it is only worth considering if you clear your balance in full each month, otherwise the 14.9% APR will cost you much more than the savings accrued through collecting rewards points. Overall, worth considering if you use the M&S store card, or just shop frequently at the M&S store. If this is not the case, but you want a rewards card that doesn’t tie you down to one shop, we suggest you consider the various cashback cards available on the market, such as American Express Blue and Accucard. |
| Verdict: |
- |
| Apply Online: |
Click here to apply for this &More from Marks and Spencers
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| Overall Rating: |
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