Clear Credit Card Debt in 26 Months with M&S Bank Credit Card Transfer Plus 0% and No Annual Fee
Turn M&S Bank Transfer Plus’s 26-month 0% balance transfer and no annual fee into a realistic plan to clear debt and rack up M&S points
Why this M&S balance transfer card stands out
The M&S Bank Credit Card Transfer Plus is a sensible pick if you want to tackle existing card debt without racking up interest. With 0% on balance transfers for 26 months and no annual fee, it ranks among the best balance transfer credit card UK options for shoppers who value both savings and rewards.
It’s particularly strong for regular M&S customers thanks to the points scheme, but the core draw is the lengthy 0% period. Use it to consolidate higher‑rate balances and create a realistic repayment plan to clear debt within the interest‑free window.
How the 26‑month 0% balance transfer works
You can move qualifying balances onto the M&S Bank Credit Card Transfer Plus and pay no interest for 26 months, which gives you breathing space to reduce the principal faster. Bear in mind there’s a balance transfer fee, so do the maths to ensure the fee doesn’t erode your savings.
The card also offers 0% on purchases for three months and a representative APR of 24.9% variable afterwards. There’s no annual fee, but standard charges like cash advance fees and late payment penalties still apply. Aim to clear transfers before the 26 months end to avoid reverting to the standard rate.
Maximise M&S points and stretch your pounds
Every pound you spend with the M&S Bank Credit Card Transfer Plus earns M&S points, with a higher earnt rate in M&S stores. Redeem points for vouchers to shave off groceries, clothing or homeware bills — a tangible perk if you already shop there.
To build points faster, put recurring bills and everyday spends on the card (without exceeding your means) and use the three months 0% purchase window for planned buys. Compare rewards with cashback alternatives if you prefer direct savings rather than vouchers.
Apply, repay and stay debt‑free
Applications require proof of income, UK residency and a reasonable credit history — applicants must be at least 18. It’s free to add an additional cardholder, but the main account holder remains liable for payments, so set clear ground rules on spending.
Set up a direct debit for at least the minimum payment, ideally more, and use a repayment schedule to clear the transferred balance within 26 months. Check eligibility tools, calculate transfer fees versus interest saved, and consider speaking with a financial adviser if you’re unsure.