Just applied for a 0% card to run up with daily spending and offset the savings against my mortgage (just thought I'd mention it, might be useful to someone).
It gives you the option to join m&s club for £10 a month which seemed steep but benefits I'd use are:
£65 of clothes and homewares vouchers (bound to need some socks!)
£12 birthday food Hall voucher
£20 Christmas voucher for clothes and home
So there's £97. £23 left to break even.
Then there's
32 hot drinks vouchers (value £88) I don't generally do many cafes but I'd use them if I had them.
Free next day delivery (value £5) again I'd use if I had, I regularly use Next if something unexpected comes up and we need clothes!
The fee is taken monthly so I might sign up now and see if I use it, can cancel after receiving Xmas and birthday vouchers in December really 🤔
Anyone have this and find it good value?