M&S Credit Card Reward Plus offer

  • Double M&S points on all your M&S shopping for the first 12 monthsFootnote 2
  • 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 example

19.9%
Purchase rate p.a.
(variable)

19.9% APR
Representative
(variable)

£1,200
Assumed
credit limit

Credit available subject to status to UK residents aged 18 or over. Terms and conditions apply.

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.

Not quite what you're looking for?

If you'd rather have a longer period to pay off your shopping or you're interested in transferring a balance, one of our other offers may be more suitable for you.

Find out moreabout the M&S Credit Card offers

Features and benefits

A rewarding credit card

Collect M&S points every time you shop anywhere in the world with your M&S Credit Card. We'll give you two points for every £1 you spend in M&S in the first year (one point for every £1 in subsequent years) and one point for every £5 you spend elsewhere Footnote 1*.

A bonus offer

A bonus points voucher for 500 M&S points worth £5, when you spend on food, clothing or home at M&S, will be sent to you with your new credit card. Terms and conditions apply(PDF document)(opens in a new window).

6 months' shopping with no interest to pay

You can shop with your M&S Credit Card in 43 million outlets worldwide, wherever you see the Mastercard logo - and you won’t pay a penny of interest for the first 6 months.

Balance transfers

If you take out a new M&S Credit Card today, you'll pay no interest for 6 months on balance transfers made within 90 days of account opening (2.9% fee applies, minimum £5).

Up to 55 days' interest-free credit

With the M&S Credit Card, you’ll receive up to 55 days’ interest-free credit when you pay your balance on time and in full each month.

Competitive rates

Enjoy a competitive rate of a representative 19.9% APR variable.

Manage your account online

You can go online to view your statement, pay your bill or even check your M&S points balance. See Internet Banking for more information.

Peace of mind

Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop. We use advanced fraud detection systems to monitor your credit card and to protect you if your card is lost or stolen.

Sparks

Use your M&S Bank Card and Sparks card together when you shop at M&S and earn even more rewards.

Footnote 1* [1] M&S Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S reward vouchers.

Footnote 2[2]If you’re an M&S Credit Card customer you’ll earn 1 point for each £1 spent in M&S. If you’re an M&S Premium Club customer you’ll earn an additional 2 points for each £1 spent in M&S (total of 3 points). If you’re an M&S Premium Club and M&S Credit Card Reward Plus customer (still within your introductory period) you will earn 2 points for each £1 spent as an M&S Credit Card Reward Plus customer, along with an additional 2 points as an M&S Premium Club customer (total of 4 points for each £1 spent). At the end of your introductory period you will revert to earning 3 points for every £1 spent in M&S as standard for M&S Premium Club customers.

Ways to pay

FAQs

How do I choose paperless statements?

Visit our paperless page for a step by step guide on how to turn off paper statements.

Customers who take out an M&S Credit Card between 12 March and 31 March 2021 (inclusive) and turn off their paper statements by 23 April 2021 will receive 1,000 M&S points (worth £10 M&S Voucher). Visit our 1,000 points paperless offer page for more information. Terms and Conditions apply(PDF document)

Do you offer payment protection insurance?

When borrowing on your M&S Credit Card you should consider your ability to maintain the monthly repayments. M&S Bank does not currently sell Payment Protection Insurance to cover your repayments in the event of unemployment, accident or sickness. However, there are products in the market that will do this and insurers who sell this cover.

You can find useful information on the Money Advice Service website(opens in a new window) including information about payment protection insurance.

How does the M&S Credit Card work with Sparks?

Use your M&S Credit Card and your Sparks card together when you shop at M&S and earn even more rewards.

How has Sparks changed?

Sparks has become simpler and more rewarding. Points have been removed and exciting new benefits have been introduced instead, like the chance to get surprise treats every time you shop. Sparks may have changed, but your M&S Credit Card points haven’t. You'll still continue to collect points every time you spend on your M&S Credit Card and receive your M&S reward vouchers every three months.

For more information about Sparks visit the join sparks page(opens in a new window).

How do I make a payment on my M&S Credit Card?

There are many different ways you can pay your M&S Credit Card account each month including setting up a Direct Debit, online with a debit card via Internet Banking or in store at any M&S.

Balance transfer calculator

With the M&S Credit Card you'll pay no interest for months on balance transfers made within 90 days of account opening (a fee applies – % of the amount transferred, min £5). Fill out the following input boxes to see how much you could save:

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.

The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S Credit Card . You should ensure that the data you enter is accurate. The saving is based on the assumption that you will continue to make the fixed monthly payments and that you don’t use the credit card for purchases, cash or other transactions. The balance transfer calculator doesn’t take into account your financial position (for example, if you have other cards with balances that you do not intend to transfer). APR is variable. Savings based on % transfer fee.

Slide the markers to see how much you'll receive each year in reward vouchers when you use your M&S Credit Card.

We'll give you one point for every £1 you spend in M&S and one point for every £5 you spend elsewhere. If you're an M&S Premium Current Account holder you'll receive three points for every £1 spent at M&S on your M&S Credit Card.


Applyfor an M&S Credit Card

If you're an M&S Credit Card customer you'll earn 1 point for each £1 spent in M&S. If you're an M&S Premium Club customer you'll earn an additional 2 points for each £1 spent in M&S (total of 3 points). If you're an M&S Premium Club and M&S Credit Card Reward Plus customer (still within your introductory period) you will earn 2 points for each £1 spent as an M&S Credit Card Reward Plus customer, along with an additional 2 points as an M&S Premium Club customer (total of 4 points for each £1 spent). At the end of your introductory period you will revert to earning 3 points for every £1 spent in M&S as standard for M&S Premium Club customers.