Surely if you don't need the 2 years 8 months on the aa card then this 2 year card and £30 cashback plus £5 to spend in m&s has to be worth it! Buy that boiler for a grand and get 3% cashback as you'd get the £30 back
New M&S credit card* holders get a decent 25 months 0% on spending. Plus those who apply via our link by Thu 3 Aug and spend at least £100 on it by Thu 31 Aug will get £30 cashback - though only do your normal spending on it.
If that wasn't a good deal on its own, you'll also be sent a voucher. Swipe this at the till the first time you use the card at M&S (you can spend on most things, incl food) and you get 500 bonus M&S points worth £5.
Need-to-knows To get the £30 cashback, apply for the card by Thu 3 Aug and spend at least £100 by Thu 31 Aug. The cashback will be credited to your account no later than Sat 30 Sep. You won't be eligible for the voucher if you already hold an M&S credit card or have done within the last year. You'll also get a voucher to swipe (or use the code online) which will get you 500 bonus points once you use your card to pay for something in M&S. The 500 points are equivalent to a £5 M&S gift voucher. This voucher will be sent by post with your card. You'll earn one point for every £1 spent in M&S stores and one point for every £5 elsewhere. One point is equivalent to 1p, and points will convert into M&S vouchers every three months. Make sure you fully clear the card by the end of the 0% period or you'll be charged 18.9% interest on any remaining balance. You'll either get the full 25-month deal or you'll be rejected; M&S Bank won't accept you and then give you fewer months at 0%, unlike some providers. Poorer credit scorers could get a higher interest rate, up to 22.9%, but if you've cleared it by the end of the 0% period then this won't matter. Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
10 comments
GwanGy
26 Jul 17#10
This looks good to me as I currently have an Aqua card that gives me 0.5 cashback, thought I'd pay my rent on it and voila , quids. :innocent: Turns out a) You cant set up a direct debit on a credit card b) the card charges interest from the day of purchase thus neatly wiping out any cashback x10.
I was a bit shocked to be three months in arrears also : Yikes!
*their sandwiches are a bit overpriced tho ...
dodgymix
10 Jul 17#9
- though only do your normal spending on it.
Argh.. Bl00dy Martin Lewis comment
Jetset1981
10 Jul 17#8
Unfortunately not. I alternative my cards. Depending on the provider you're normally a new customer in 6-12 months. Most recently I went from Tesco to post office, back to Tesco, then to AA. Picking up £30 a pop. As soon as you get the cashback close the account.
You're only limited by how many applications you want on your file. I have several current accounts and regularly change my utilities etc so don't get as much as I could as my credit rating is very good. Free money for little effort anyway.
Marky264
10 Jul 17#7
Anyone know if M&S Credit Cards are Contactless & Can be used with Apple Pay or Android Pay? Also how simple is the Online Portal & Is there an App for it as well?
I believe you wouldn't be eligible as you can't have owned an M&S Credit Card in the last 12 Months to be eligible for this offer sadly!
BeautyLoverz
9 Jul 17#6
I have an existing M&S card. Can I close it and apply for new one? How do you change your Credit cards?
traveler
9 Jul 17#5
I applied for the voucher and cashback but for some reason I never get approved for M&S cards. They said they'd respond by email in 3-5 days. I'm assuming another decline from them. Did everyone else get an immediate decision. Thanks
allowed
9 Jul 17#4
Is there an annual fee for this card
backinstock
9 Jul 17#3
Thanks, took a card out for my wife. Approved quickly and less hassle than the AA garbage.
I did a similar deal a while back.
Rarely gets used, but sometimes a few offers come with it.
Jetset1981
9 Jul 174#2
Good deal. Just a mention that the AA card has £26 via topcashback. I change my credit card 2 times a year purely for cashback. Alternative between AA, Post office and Tesco. £60 a year free. I've been doing it a few years and always been paid out.
You can do as often as you like but I try to keep my credit applications to 6 a year or so.
gibblesuk
9 Jul 17#1
Sunday is getting better - thanks for sharing.
Just need a few Blu Ray box set glitches now on Amazon :sunglasses:
![Fresh Breakfast Meat Box (Using code) @ Campbells Meat [Haggis / Lorne Sausage / Bacon / Black Pudding & More]](/images/topics/208684_1.jpg)
![[Xbox One] Q. u. b. e: Director's Cut on Deals with Gold](/images/topics/208716_1.jpg)
Opening post
New M&S credit card* holders get a decent 25 months 0% on spending. Plus those who apply via our link by Thu 3 Aug and spend at least £100 on it by Thu 31 Aug will get £30 cashback - though only do your normal spending on it.
If that wasn't a good deal on its own, you'll also be sent a voucher. Swipe this at the till the first time you use the card at M&S (you can spend on most things, incl food) and you get 500 bonus M&S points worth £5.
Need-to-knows
To get the £30 cashback, apply for the card by Thu 3 Aug and spend at least £100 by Thu 31 Aug.
The cashback will be credited to your account no later than Sat 30 Sep.
You won't be eligible for the voucher if you already hold an M&S credit card or have done within the last year.
You'll also get a voucher to swipe (or use the code online) which will get you 500 bonus points once you use your card to pay for something in M&S. The 500 points are equivalent to a £5 M&S gift voucher. This voucher will be sent by post with your card.
You'll earn one point for every £1 spent in M&S stores and one point for every £5 elsewhere. One point is equivalent to 1p, and points will convert into M&S vouchers every three months.
Make sure you fully clear the card by the end of the 0% period or you'll be charged 18.9% interest on any remaining balance.
You'll either get the full 25-month deal or you'll be rejected; M&S Bank won't accept you and then give you fewer months at 0%, unlike some providers.
Poorer credit scorers could get a higher interest rate, up to 22.9%, but if you've cleared it by the end of the 0% period then this won't matter.
Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
10 comments
I was a bit shocked to be three months in arrears also : Yikes!
*their sandwiches are a bit overpriced tho ...
Argh.. Bl00dy Martin Lewis comment
You're only limited by how many applications you want on your file. I have several current accounts and regularly change my utilities etc so don't get as much as I could as my credit rating is very good. Free money for little effort anyway.
I believe you wouldn't be eligible as you can't have owned an M&S Credit Card in the last 12 Months to be eligible for this offer sadly!
I did a similar deal a while back.
Rarely gets used, but sometimes a few offers come with it.
You can do as often as you like but I try to keep my credit applications to 6 a year or so.
Just need a few Blu Ray box set glitches now on Amazon :sunglasses: