M&S Credit Card

A choice of introductory offers

23.9% 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 21 months
  • 0% on balance transfers for 18 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
  • Representative 23.9% APR variable

Representative example

23.9%
Purchase rate p.a (variable)
23.9% APR
Representative (variable)
£1,200
Assumed credit limit

Find out more about Shopping Plus offer

Transfer Plus offer

  • 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
  • Representative 23.9% APR variable

Representative example

23.9%
Purchase rate p.a (variable)
23.9% APR
Representative (variable)
£1,200
Assumed credit limit

Find out more 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

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 could receive £240* 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

Other ways to borrow

Learn more about the types of borrowing available at M&S Bank before deciding what is best for you.

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.

M&S Credit Card 23.9% APR representative variable

Learn more

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*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.