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Apply for an M&S Credit Card

It only takes a few minutes to apply for an M&S Credit Card online (representative 18.9% APR variable). Before you start your application, please look at the What you should know before you apply section below.

Start your application

What you should know before you apply

Are you eligible?

To apply for an M&S Credit Card you have to be a UK resident aged 18 or over.

A new M&S Credit Card account cannot be opened if you have held a credit card with M&S Bank within the previous 12 months.

What you'll be asked for

  • Your income and employment details
  • The account number and sort code of your bank or building society
  • An email address
  • Your previous address, if you've lived at your current address for less than 3 years

Change in circumstances

If you foresee any changes in your circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker please contact us on 0800 997 996 or visit your local M&S Bank branch to discuss further before starting your application online.

Terms and conditions

Before you start your application, you need to read (and agree to) our terms and conditions.

Credit and interest rates

Credit is subject to status. The rate we offer will depend on our assessment of your circumstances.

Checking your details

When we check your details with a credit reference agency, a search/enquiry is registered to say that you've applied for credit today. As part of our checks, we link your name with individuals associated with you financially, and any previous names you've provided.

We'll also check your details with a fraud prevention agency to prevent fraud and money laundering. If you've provided false or inaccurate information (and fraud is identified) we'll pass your details to fraud prevention agencies. If you want, we can explain how your information held by fraud and other credit reference agencies may be used.

Your new card and PIN

If your application is approved, we'll send your PIN first, followed by your M&S Credit Card a few days later. You should receive your new card and PIN within ten working days.

Balance transfers

Once your application is approved, and you have received your M&S Credit Card, you will be able to apply for a balance transfer within 90 days of opening your account.

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