The 0% interest rate credit card from M&S is one of the best available today, and it has a wide range of features that allow it to grasp and hold the title of the best 0% interest credit card on the market.

Unlike some other cards that claim to have 0% interest but include unnecessary fees and charges, the M&S 0% interest credit cards has no hidden fees or extra charges, and this makes it one of the first cards to truly offer 0% interest on all purchases.

Making Purchases And Getting 0% Interest For Up To 15 Months

The new M&S credit card offers 0% interest for a full 15 months after a person activates their card. No matter how much a person spends on the card, they will still get 0% interest as long as it is within that 15 month period.

The 15 month period begins when a person activates their card not when they make their first purchase, so its important to make any large or important purchases that a customer may be considering when they first activate their M&S credit card.

Transferring Balances To The New M&S Credit Card

Starting on February 7th, 2013, M&S is allowing its customers to transfer their balances from other cards to their 0% interest rate credit card from M&S. This is allowing many people to easily and quickly place credit card balances that have relatively high interest rates or APR rates on the M&S credit card where they will accrue no interest for up to 12 months.

After The Period Of 0% Interest Ends

After the period of 0% interest ends, the M&S credit card has an APR of 15.9% for most customers. While this is surely not a high APR compared to many credit cards that are on the market today, it may be a good idea to make purchases and pay off a large amount of the balance from those purchases while the 0% interest rate is still in effect.

To know the exact date that interest may begin to accrue, a person can look at the terms and conditions of their card agreement or talk to a customer service representative from M&S.

Deciding Whether The M&S Credit Card Is A Good Idea Or A Bad Idea

Recently, there have been several credit cards that offer a 0% interest rate for a certain period of time, and the M&S credit card is just one of them. If a person wants to transfer balances and make purchases with 0% interest, it could be a good idea to get two different 0% interest rate credit cards instead of just one.

The Barclaycard 25 Month Platinum Visa Card offers 0% interest for 25 months, and the Tesco Clubcard offers 0% interest on all purchases for up to 16 months. Getting one of these cards in addition to the M&S 0% interest rate credit card can be an excellent way to get 0% interest on large balance transfer and on all purchases during a certain period of time.

Taking Advantage Of The Offer

While the M&S 0% interest credit card and some other credit cards are currently offering a 0% interest rate for a certain period of time, there is no guarantee that these offers will last.

It’s important to take advantage of these offers while they last and while they are available, and once the period of 0% interest is up for certain credit cards, there is no guarantee that there will be another period of 0% interest rates for the M&S credit card, and there is no guarantee that there will be another credit card on the market that is offering 0% interest rates to new customers.


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Tim Capper

Bringing you financial news and information in plain english for Maple Leaf Financial. My aim is to help readers understand these often complex financial instruments.