M&S Credit Card

A choice of introductory offers

21.9% APR representative variable

Credit subject to status

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Check if you are likely to be accepted before you apply

It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.

Shopping Plus offer

  • 0% on shopping for 24 months
  • 0% on balance transfers for 24 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
  • Earn rewards points every time you shop which will be converted into M&S vouchers for you to spend
  • Representative 21.9% APR variable

Representative example

21.9%
Purchase rate p.a (variable)
21.9% APR
Representative (variable)
£1,200
Assumed credit limit

Find out more about Shopping Plus offer

Apply now about Shopping Plus offer

Transfer Plus offer

  • 0% on balance transfers for 32 months, available for 90 days from account opening (1.99% 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
  • Representative 21.9% APR variable

Representative example

21.9%
Purchase rate p.a (variable)
21.9% APR
Representative (variable)
£1,200
Assumed credit limit

Find out more about Transfer Plus offer

Apply now about Transfer Plus offer

Rewards offer

  • Earn rewards points every time you shop and double rewards points when you shop at M&S (for the first 12 months). Your rewards points will be converted into M&S vouchers for you to spend
  • 0% on shopping for 12 months
  • 0% on balance transfers for 12 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
  • Representative 21.9% APR variable

Representative example

21.9%
Purchase rate p.a (variable)
21.9% APR
Representative (variable)
£1,200
Assumed credit limit

Find out more about Reward Plus offer

Apply now about Reward Plus offer

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.

These are not just any 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 can receive over £240, on average, worth of goodies throughout the year, for just £10 a month.

M&S Rewards

Learn more about the rewards you receive by using your M&S Credit Card

Find out more

M&S Club Rewards

New or an existing M&S Club Rewards member?

Find out more

M&S Rewards Calculator

Understand what M&S Rewards you can receive here

Find out more

Good things happen with an M&S Credit Card & Sparks Card

As an M&S Credit Cardholder you’ll earn rewards points every time you spend which we’ll turn into M&S vouchers for you to enjoy. On top of that, if you register for Sparks you could receive extra benefits when you shop at M&S.

By registering for Sparks, you could receive:

  • Personalised offers based on the things you love at M&S
  • Surprise treats as a thank you
  • Be in with the chance to win your weekly M&S shop in-store for free
  • A charity donation of your choice

Register for Sparks by downloading the M&S app today or visit our Sparks page for more information.

Already a customer?

If you're looking for support with your credit card we’re here to help.

How do credit cards work?

Find out more about credit cards

How to transfer a credit card balance

Find out more about transferring a credit card balance

Using your credit card abroad

Find out more about using you credit or debit card abroad