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.

Check my eligibility

Shopping Plus offer

  • 0% on shopping for 20 months
  • 0% on balance transfers for 20 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
  • Earn M&S points every time you shop
  • 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 29 months, available for 90 days from account opening (2.75% fee applies, minimum £5)
  • 0% on shopping for 3 months
  • Earn M&S points every time you shop
  • 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

Reward Plus offer

  • Double M&S points on all your M&S shopping for the first 12 months
  • 0% on shopping for 6 months
  • 0% on balance transfers for 6 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.

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

Get even more rewards at M&S when you use your M&S Bank Card and Sparks card together and earn valuable M&S Bank points and Sparks benefits.

From big treats to little thank yous and a charity donation with every shop, Sparks makes good things happen every time you shop. We’ll even be treating one lucky Sparks customer in every store every week to the shopping they’re buying right there and then for free!

Don’t have a Sparks card? Download the M&S app today to apply or visit the join 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 or debit card abroad

Find out more about using you credit or debit card abroad