M&S Credit Card 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 example

18.9%
Purchase rate p.a.
(variable)

18.9% APR
Representative
(variable)

£1,200
Assumed
credit limit

Check if you’re likely to be accepted for an M&S Credit Card, without affecting your credit score. Find out more about credit card elgibilility

Apply

Credit available subject to status to UK residents aged 18 or over. Balance transfers have a 2.9% fee, minimum £5. Terms and conditions apply.

Do you know we have another credit card offer?

If you'd rather have a longer period to pay off a balance transfer the M&S Credit Card Transfer Plus offer may be more suitable for you.

Find out moreabout the M&S Credit Card Transfer Plus offer

Features and benefits

A rewarding credit card

Collect M&S points every time you shop anywhere in the world with your M&S Credit Card. We'll give you one point for every £1 you spend in M&S and one point for every £5 you spend elsewhere.Footnote 1*

A bonus offer

A bonus points voucher for 500 M&S points worth £5, when you spend on food, clothing or home at M&S will be sent to you with your new credit card. Terms and conditions apply.

Balance transfers

If you take out a new M&S Credit Card today, you'll pay no interest for 25 months on balance transfers made within 90 days of account opening (2.9% fee applies, minimum £5).

0% interest

25 months' shopping with no interest to pay

You can shop with your M&S Credit Card in 33 million outlets worldwide, wherever you see the MasterCard logo - and you won't pay a penny of interest for the first 25 months.

Up to 55 days' interest free credit

With the M&S Credit Card, you’ll receive up to 55 days' interest-free credit when you pay your balance in full and on time each month.

Competitive rates

Enjoy a competitive rate of a representative 18.9% APR variable.

Travel money made easy

Preferential exchange rates when you use your M&S Credit Card to order M&S Travel Money. And there's no cash advance fee, plus up to 55 days' interest-free credit, just like other purchases.

Additional cards

You can add an additional cardholder over the age of 18 to your account, so you can both enjoy the same card benefits and earn M&S points on all your shopping.

Manage your account online

You can go online to view your statement, pay your bill or even check your M&S points balance. See Internet Banking for more information.

Peace of mind

Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop. We use advanced fraud detection systems to monitor your credit card and to protect you if your card is lost or stolen.

Footnote 1* [1] M&S Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S reward vouchers.

Important information

The Standards of Lending Practice

Consumer advice

Managing your money

Protecting yourself from card fraud

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Ways to pay

FAQs

Do you offer payment protection insurance?

When borrowing on your M&S Credit Card you should consider your ability to maintain the monthly repayments. M&S Bank does not currently sell Payment Protection Insurance to cover your repayments in the event of unemployment, accident or sickness. However, there are products in the market that will do this and insurers who sell this cover.

You can find useful information on the Money Advice Service website including information about payment protection insurance.

How does the M&S Credit Card complement Sparks card?

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!

How do I make a payment on my M&S Credit Card?

There are many different ways you can pay your M&S Credit Card account each month including setting up a Direct Debit, online with a debit card via Internet Banking or in store at any M&S.

Ready to apply?

Applyfor an M&S Credit Card Shopping Plus offer

Apply over the phone:0800 997 996

Lines are open 8am-9pm Monday to Friday, 8am-8pm Saturday, 10am-6pm Sunday. Calls are recorded.

Balance transfer calculator

With the M&S Credit Card you'll pay no interest for months on balance transfers made within 90 days of account opening (a fee applies – % of the amount transferred). Fill out the following input boxes to see how much you could save:

The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S Credit Card . You should ensure that the data you enter is accurate. The saving is based on the assumption that you will continue to make the fixed monthly payments and that you don’t use the credit card for purchases, cash or other transactions. The balance transfer calculator doesn’t take into account your financial position (for example, if you have other cards with balances that you do not intend to transfer). APR is variable. Savings based on % transfer fee.

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