M&S Credit Card
  • 15 months' shopping with no interest to pay
  • M&S rewards – earn M&S points every time you shop with your card
  • Balance transfers – if you take out a new M&S Credit Card today, you’ll pay no interest for 12 months on balance transfers made within 60 days of account opening (2.9% fee applies, minimum £5)
  • Up to 55 days' interest-free credit – when you pay your balance in full and on time each month
  • Representative 16.9% APR variable
  • No cash advance fee when you buy M&S Travel Money with your M&S Credit Card
  • 24 hour account access – online or by phone
  • Accepted wherever you see the MasterCard logo - that's over 33 million locations worldwide
  • A bonus points voucher for 500 M&S points worth £5, when you spend in food, clothing or home at M&S. Terms and conditions apply.

Representative example

Based on an assumed credit limit of £1,200, our 16.9% rate per annum for purchases gives a representative rate of 16.9% APR variable.

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What you should know before you apply

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 us 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

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.

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