M&S Credit Card
A choice of introductory offers
21.9% APR representative variable
Credit subject to status
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 19.9% APR variable
Representative example
- 19.9%
- Purchase rate p.a
(variable)
- 19.9% 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.
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.
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