Compare our range of credit cards
Learn how credit cards work and explore our different credit card options.
Credit subject to status
Learn how credit cards work and explore our different credit card options.
Credit subject to status
23.9% Purchase rate p.a (variable)
23.9% APR Representative (variable)
£1,200 Assumed credit limit
Whether you’re looking to transfer a balance, get 0% on purchases or earn 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.
It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.
Learn more about choosing your first credit card. Our guide explains how to apply and what to consider.
Understand the fundamentals of credit cards and how they can benefit you.
Find out what credit limits mean and how to check yours.
Learn more about Annual Percentage Rate (APR) and how it works.
Learn how a balance transfer credit card can help you manage your finances.
Take a closer look at the differences between debit cards and credit cards.
What is a soft credit check and why is it useful?
What's the difference between a 'hard' and 'soft' credit check?
Thinking about a new credit card or already have one? Understand your credit card a little better.
Learn how interest-free credit cards work and what it means for you.
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.
Learn more about the types of borrowing available at M&S Bank before deciding what is best for you.
If you're looking for support with your credit card we’re here to help.
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.
Learn more about the rewards you receive by using your M&S Credit Card
Enjoy even more rewards by becoming a M&S Club Rewards member
Understand what M&S Rewards you can receive here
Learn more about the pros and cons of using a credit card for everyday purchases.
If you are thinking about getting another credit card our guide can support you.
Need to improve your credit score? Our quick guide can help you on your credit building journey.
Get the most out of your credit card spending with our quick tips for using a credit card.
Are you at the end of your balance transfer promotion period? Our guide explains your options.
Read our guide on how to identify the most common scams and how to report a scam.
You may have heard the phrase 'arrears'. But what exactly does it mean?
Take a closer look at how to check your credit score.
How can you spot the most common types of scam.
Learn everything you need to know about credit card refunds.
Learn how a balance transfer works and explore our options.
Going on holiday? Get to grips with how you can use a credit card outside of the UK.
Airline gone bust? Item arrived faulty? Learn more about the protection provided by the Consumer Credit Act & section 75.
Learn how to reduce negative impact on your credit score when considering a balance transfer.
What are the reasons behind a declined credit card application and what can you do if you application is declined?
Learn the key things to know about any 0% credit card and how they work.
*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.