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 20 months
  • 0% on balance transfers for 20 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

Apply now 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

Apply now about Reward Plus offer

Transfer Plus offer

  • 0% on balance transfers for 28 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

Apply now about Transfer Plus offer

Once you’ve switched your balances, don’t forget to make at least your minimum payments on time to keep your promotional rate and save on interest.

Don’t forget to make at least your minimum payments on time to keep your promotional rate and save on interest.

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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