M&S CREDIT CARD

One card, two offers to choose from 18.9% APR representative variable

M&S Credit Card offers a choice of two introductory offers

Shopping Plus offer

  • 0% on shopping for 25 months
  • 0% on balance transfers for 25 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
  • Earn M&S points every time you shop
  • Representative 18.9% APR variable

Find out more about Shopping Plus offer

Transfer Plus offer

  • 0% on balance transfers for 32 months, available for 90 days from account opening (0.99% fee applies, minimum £5)
  • 0% on shopping for 6 months
  • Earn M&S points every time you shop
  • Representative 18.9% APR variable

Find out more about Transfer Plus offer

Representative example

18.9%
Purchase rate p.a. (variable)

18.9% APR
Representative (variable)

£1,200
Assumed credit limit

The perfect match

With M&S Bank and Sparks, it’s easy to get even more of what you love. You’ll enjoy everything from tailor-made offers and priority access to new-season previews and sales and lots of little treats. Plus, every time you use your M&S Credit Card, you’ll also be collecting points and earning reward vouchers to spend at M&S too – so M&S Bank and Sparks really are a perfect match!

Amazing budgeting tips – as recommended by you

Learn more amazing budgeting tips

The nation's financial milestones

Learn more about the nation's financial milestones

Make resolutions that last a lifetime

Learn more about the saving money checklist