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M&S Credit Card Reward Plus offer

  • £20 M&S reward voucher on your first spend
  • Double 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

19.9%
Purchase rate p.a.
(variable)

19.9% APR
Representative
(variable)

£1,200
Assumed
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

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Credit available subject to status to UK residents aged 18 or over. Balance transfers have a 2.9% fee, minimum £5. Terms and conditions apply.

Once you’ve switched your balances, don’t forget to make at least your minimum payments on time to keep your promotional rate and save on interest.

Don’t forget to make at least your minimum payments on time to keep your promotional rate and save on interest.

A rewarding credit card

  • Two points for every £1 you spend in M&S on your M&S Credit Card in your first year (normally one point for every £1)
  • One point for every £5 you spend elsewhere.

£20 reward voucher, when you first spend on your M&S Credit Card. Terms and conditions applyTerms and conditions apply.

Also as a welcome bonus, we’ll also send you a 500 M&S points voucher, worth £5, to use when you spend on food, clothing or home at M&S with your new credit card. Terms and conditions applyTerms and conditions apply.

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:

Once you've switched your balances, don't forget to make at least your minimum payments on time to keep your promotional rate 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

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Did you know we have other credit card offers?

If you’d rather have a longer period to pay for your shopping then the M&S Credit Card Shopping Plus offer may be more suitable for you.

Find out moreabout the M&S Credit Card Shopping Plus offer

If you’d rather have a longer period to pay off a balance transfer then the M&S Credit Card Transfer Plus offer may be more suitable for you.

Find out moreabout the M&S Credit Card Transfer Plus offer