Best balance transfer credit card in the UK M&S Bank Transfer Plus 0% for 26 months and no annual fee
M&S Bank Transfer Plus helps you clear your debt faster with 0% on balance transfers for 26 months, no annual fee and M&S points on every £1 spent
The M&S Bank Transfer Plus card is a strong contender if you’re hunting for the best balance transfer credit card UK shoppers trust. With 0% on balance transfers for 26 months, no annual fee and M&S points on every £1 spent, it’s built to help you clear existing debt while still getting value from everyday spending.
Clear, practical overview
M&S Bank Transfer Plus gives a long 0% period for balance transfers—26 months—which is one of the most generous offers on the market in the UK right now. That extended window makes it easier to plan repayments and avoid interest piling up.
The card also offers 0% on purchases for the first three months and an earn rate of 1 M&S point per £1, rising when you shop at Marks & Spencer. For regular M&S customers this turns a debt-management tool into a rewards-accruing account.
Fees, APR and eligibility
Although there’s no annual fee, the representative APR sits around 24.9% variable and there’s a balance transfer fee to factor in—so do the sums before moving large balances. The fee can still be worth it given the 26-month 0% term, but the maths must add up for your situation.
To apply you need to be at least 18 and resident in the UK, with a reasonable credit history and proof of income. If your credit score is poor you may find approval harder, so check eligibility calculators first to avoid unnecessary searches.
How to use the card effectively
Start by using the 0% transfer period to prioritise paying down the transferred balance—aim to clear it before the promotional rate ends to maximise savings. Avoid putting new purchases onto the balance transfer portion to prevent interest complications.
Make use of the three months 0% on purchases for planned buys, and concentrate everyday spending at M&S to hoard points. Set up direct debits to pay at least the minimum on time and protect your credit score while you tackle the balance.
Why choose M&S Bank Transfer Plus and next steps
If you shop at M&S and want a long zero-interest runway to clear debt, M&S Bank Transfer Plus is one of the best balance transfer credit card UK options available. The blend of extended 0% terms, loyalty points and no annual fee makes it especially attractive for cardholders who can stay disciplined.
Before applying, compare balance transfer fees versus other offers, check your eligibility and plan a repayment schedule. If it fits your goals, apply through the M&S Bank site and start repaying strategically—your debt-free timeline just got a lot more achievable.