M&S Credit Card Reward Plus offer

  • 2,000 M&S points worth £20 if you use your card within the first 90 days
  • 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 example

Purchase rate p.a.

19.9% APR

credit limit

Check if you’re likely to be accepted for an M&S Credit Card, without affecting your credit score. Find out more about credit card elgibilility


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

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*.

Joining bonus with your first spend

You’ll also receive a joining bonus of 2,000 M&S points worth £20 if you use your card within the first 90 days. This will be sent to you as a voucher with your quarterly rewards statement. Terms and conditions apply.

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.

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.

Travel money made easy

Preferential rates when you use your M&S Credit Card to order M&S Travel Money. And there's no cash advance fee, plus up to 55 days' interest-free credit, just like other purchases.

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.

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.

Important information

The Standards of Lending Practice

Consumer advice

Managing your money

Protecting yourself from card fraud

You may require Adobe PDF reader to view PDF documents. Download Adobe Reader

Ways to pay


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 including information about payment protection insurance.

How does the M&S Credit Card complement the Sparks card?

With M&S Bank and Sparks, it’s easy to get even more of what you love. You’ll enjoy everything from tailor-made offers and priority access to new-season previews and sales and lots of little treats. Plus, every time you use your M&S Credit Card, you’ll also be collecting points and earning reward vouchers to spend at M&S too – so M&S Bank and Sparks really are a perfect match!

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.

Ready to apply?

Applyfor an M&S Credit Card Transfer Plus offer

Apply over the phone:0800 997 996

Lines are open 8am-9pm Monday to Friday, 8am-8pm Saturday, 10am-6pm Sunday. Calls are recorded.

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). Fill out the following input boxes to see how much you could save:

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

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Android, Android Pay and the Android logo are trademarks of Google Inc.