M&S Bank - 20mths 0% (19.9% representative APR)

M&S asked that you apply via our eligibility calc below, to reduce 'why was I rejected?' enquiry calls as its helplines are at capacity dealing with vulnerable customers. 

  • Joint longest interest-free period
  • All accepted will get the full 20 interest-free months 

Check eligibility via MSE and apply

  • Checks your chances for M&S Bank and similar 0% spending cards
  • Lets you home in on YOUR best credit card
  • Minimises applications, to protect your credit score
  • Only takes a couple of minutes