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.

M&S Credit Card Shopping Plus offer

Learn more about the benefits of our purchase credit card offer, including 0% interest on purchases for 21 months.

M&S Credit Card Transfer Plus offer

Looking to transfer a credit card balance? Explore our balance transfer option.

Our credit card offers

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


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.

Learn more about mobile banking

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


Already a credit cardholder?

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

Learn more


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 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

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

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

Airline gone bust? Item arrived faulty? Learn more about the protection provided by the Consumer Credit Act & section 75.

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.