Compare our credit cards
Learn how credit cards work and explore our different credit card options.
Credit subject to status
Our credit card offers
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.
Your interest rate, promotional period and credit limit may vary depending on your individual circumstances.
Why is my rate and promotional period 'up to'?
- 0% interest on shopping for up to 20 months
- 0% interest on balance transfers for up to 12 months, available for 90 days from account opening (3.49% fee applies, minimum £5)*
- Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend
Representative example
24.9% Purchase rate p.a (variable)
24.9% A P R Representative (variable)
£1,200 Assumed credit limit
- 0% interest on balance transfers for up to 27 months, available for 90 days from account opening (3.49% fee applies, minimum £5)*
- 0% interest on shopping for 3 months
- Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend
Representative example
24.9% Purchase rate p.a (variable)
24.9% A P R Representative (variable)
£1,200 Assumed credit limit
- 0% interest on shopping for 9 months
- 0% interest on balance transfers for 9 months, available for 90 days from account opening (3.49% fee applies, minimum £5)*
- Earn Rewards points every time you shop, which will be converted into M&S vouchers for you to spend. For the first six months, we'll give you 5 Rewards points per £1 spent at M&S. After this, it will return to the standard 1 point per £1 purchase at M&S**
Representative example
23.9% Purchase rate p.a (variable)
23.9% A P R Representative (variable)
£1,200 Assumed credit limit
Why is my rate and promotional period 'up to'?
The rate and promotional period we offer will depend on our assessment of your circumstances.
Transfer Plus offer
We may offer you:
- 0% for 27 months on balance transfers with 24.9% A P R
- 0% for 20 months on balance transfers with 27.9% A P R
- 0% for 20 months on balance transfers with 29.9% A P R
Our Transfer Plus offer balance transfers have a 3.49% fee.
Purchase Plus offer
We may offer you:
- 0% on purchases for 20 months and 0% for 12 months on balance transfers with 24.9% A P R
- 0% on purchases for 15 months and 0% for 9 months on balance transfers with 27.9% A P R
- 0% on purchases for 15 months and 0% for 9 months on balance transfers with 29.9% A P R
Our Purchase Plus offer balance transfers have a 3.49% fee.
Credit card eligibility checker
It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.
Find out more about the credit card eligibility checker
Already a credit cardholder?
If you're looking for support with your credit card we're here to help.
Learn more about credit card support
Learn more about credit cards
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.
More credit card information
What is a balance transfer credit card?
Learn how a balance transfer credit card can help you manage your finances.
Credit cards vs debit cards
Take a closer look at the differences between debit cards and credit cards.
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?
Common credit card myths
Thinking about a new credit card or already have one? Understand your credit card a little better.
What is an interest-free period?
Learn how interest-free credit cards work and what it means for you.
Other ways to borrow
Learn more about the types of borrowing available at M&S Bank before deciding what is best for you.
Learn more about other ways to borrow
Credit card rewards
As an M&S Bank cardholder you earn Rewards points every time you spend. Those Rewards points turn into M&S Rewards vouchers up to four times a year, which are either sent to you in the post or are available in your Sparks account at marksandspencer.com or in the M&S app. Use these to treat yourself in M&S stores or online.
M&S Club Rewards
If you really love M&S, by subscribing to M&S Club Rewards for £10 per month, you will receive £120 in M&S vouchers as well as other gifts and treats. In total, that could be worth £240***, throughout the year.
M&S Rewards
Learn more about the Rewards you receive by using your M&S Credit Card
M&S Club Rewards
Enjoy even more Rewards by becoming a M&S Club Rewards member
M&S Rewards Calculator
Understand what M&S Rewards you can receive here
Explore more about credit cards
Using a credit card for everyday purchases
Learn more about the pros and cons of using a credit card for everyday purchases.
How many credit cards should I have?
If you are thinking about getting another credit card our guide can support you.
Improving your credit score
Need to improve your credit score? Our quick guide can help you on your credit building journey.
Tips for using your credit card
Get the most out of your credit card spending with our quick tips for using a credit card.
Balance transfer period ending?
Are you at the end of your balance transfer promotion period? Our guide explains your options.
How to recover from being scammed
Read our guide on how to identify the most common scams and how to report a scam.
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.
How do credit card refunds work?
Learn everything you need to know about credit card refunds.
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.
Do balance transfers affect credit scores?
Learn how to reduce negative impact on your credit score when considering a balance transfer.
Why are credit card applications declined?
What are the reasons behind a declined credit card application and what can you do if your application is declined?
How do 0% credit cards work?
Learn the key things to know about any 0% credit card and how they work.
* Our credit card balance transfer offers have a 3.49% 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.
** Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency, or M&S reward vouchers.
*** Based on £120 worth of M&S vouchers, 32 hot drink vouchers, 10% birthday voucher based on £60 average spend, and points earned from an average monthly spend in M&S of £34 on an M&S Credit Card.