If you shop in M&S already, this is the credit card for you (Marks & Spencer Financial Services)

Member Name: magenta23

Product:	Marks & Spencer Financial Services
Date:	16/11/08 (92 review reads)
Rating:

Advantages: Lots of bonus points from M&S, points on money spent elsewhere too

Disadvantages: High interest rates if you don't pay it off

I've had my Marks and Spencer '& More' card for a few years now. I think it's a great credit card for people who pay it off. If you don't, yes the interest rates are high, I've seen it go up 3% since I signed up. However, that's the same with most credit cards and as far as they go, I think this is one of the best on the market, that is, if you shop in M&S! The card gives you 2 points per pound spent on it in M&S and 1 point per pound spend on it anywhere else, and as it's a Mastercard it's accepted virtually everywhere worldwide. Your points are redeemed in the form of M&S vouchers that are sent to you quarterly. You can spend this as full or part payment on anything in M&S. They also send you vouchers for bonus points on food, wine, flowers, food, clothes, you name it. You get these virtually all the time. Also send you vouchers for the odd freebies such as food products and greetings cards.

Summary: A good rewarding card, from a name you can trust.