Credit Card
Learn how credit cards work and explore our different credit card options.
Credit subject to status
Representative example
23.9% Purchase rate p.a (variable)
23.9% APR Representative (variable)
£1,200 Assumed credit limit
The right credit card for you
Whether you are looking to transfer a balance, 0% on purchases or earning rewards, we have a card to suit your needs. Don’t forget to use our credit card eligibility checker before applying for a credit card offer.
Our credit card offers
- 0% on shopping for 18 months
- 0% on balance transfers for 15 months, available for 90 days from account opening (2.99% fee applies, minimum £5)**
- Earn rewards points every time you shop which will be converted into M&S vouchers for you to spend
- 0% on balance transfers for 28 months, available for 90 days from account opening (2.99% fee applies, minimum £5)**
- 0% on shopping for 3 months
- Earn rewards points every time you shop which will be converted into M&S vouchers for you to spend
Credit card eligibility checker
It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.
Learn more about credit cards
What does arrears mean?
You may have heard the phrase 'arrears'. But what exactly does it mean?
How to check your credit score
Take a closer look at how to check your credit score.
Credit card security & protection
How can you spot the most common types of scam.
Credit cards vs debit cards
Take a closer look at the differences between debit cards and credit cards.
How do credit card refunds work?
Learn everything you need to know about credit card refunds.
APR explained
Learn more about Annual Percentage Rate (APR) and how it works.
Mobile banking
Stay in control with our mobile banking app.
The M&S Banking App allows you to manage your M&S Credit Card in the palm of your hand. View your credit card PIN, securely confirm online payments and receive notifications when you spend. Please note device restrictions apply.
Other ways to borrow
Learn more about the types of borrowing available at M&S Bank before deciding what is best for you.
Already a credit cardholder?
If you're looking for support with your credit card we’re here to help.
Credit card rewards
As an M&S Bank cardholder you earn rewards points every time you spend. Those rewards points turn into M&S vouchers ready for you to treat yourself in M&S stores or online up to four times a year. And, if you really love M&S, by subscribing to M&S Club Rewards you could receive over £240*, on average, worth of goodies throughout the year, for just £10 a month.
More credit card information
Soft credit checks explained
What is a soft credit check and why is it useful?
Hard credit checks explained
What’s the difference between a ‘hard’ and ‘soft’ credit check?
Credit limits explained
Find out what credit limits mean and how to check yours.
How do credit cards work?
Understand the fundamentals of credit cards and how they can benefit you.
Transferring a credit card balance
Learn how a balance transfer works and explore our options.
Using your credit card abroad
Going on holiday? Get to grips with how you can use a credit card outside of the UK.
Protection on your credit card purchases
Airline gone bust? Item arrived faulty? Learn more about the protection provided by the Consumer Credit Act & section 75.
*Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 6 next day deliveries (not available in some locations eg Northern Ireland and Guernsey), points earned from £1,000 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.
**Balance transfers have a 2.99% fee, minimum £5. Terms and conditions apply. Don’t forget to make at least your minimum payments on time to keep your promotional rates on balance transfers and purchases and save on interest. We accept balance transfers from most credit or store cards held with other lenders.