M&S Credit Card
A choice of introductory offers
21.9% APR representative variable
Credit subject to status
It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.
Find out more about Shopping Plus offer
Apply now about Shopping Plus offer
Find out more about Transfer Plus offer
Apply now about Transfer Plus offer
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.
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.
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:
Register for Sparks by downloading the M&S app today or visit our Sparks page for more information.
Find out more about credit cards
Find out more about transferring a credit card balance
Find out more about using you credit or debit card abroad