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.
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
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
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.
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.
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