M&S Credit Card - Apply For A Credit Card Online | M&S Bank

M&S CREDIT CARD

One card, three offers to choose from

19.9% APR
representative variable

Credit subject to status

M&S Credit Card offers a choice of 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 19.9% APR variable

Find out more about Shopping Plus offer

Reward Plus offer

  • 2,000 M&S points worth £20 if you use your card within the first 90 days
  • Double M&S points on all your M&S shopping for the first 12 months
  • 0% on shopping for 6 months
  • 0% on balance transfers for 6 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
  • Representative 19.9% APR variable

Find out more about Reward 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 19.9% APR variable

Find out more about Transfer Plus offer

Representative example

19.9%
Purchase rate p.a. (variable)

19.9% 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 shop using 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!

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