It only takes a few minutes to apply for an M&S Credit Card online (representative 16.9% APR variable). Before you start your application, please look at the What you should know before you apply section below.
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.
Before you start your application, you need to read (and agree to) our terms and conditions.
Credit is subject to status. The rate we offer will depend on our assessment of your circumstances.
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.
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.
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 60 days of opening your account.