M&S Credit Card Reward Plus
Enjoy up to £20† to spend at M&S with the M&S Credit Card Reward Plus Offer
Double M&S reward points on all your M&S shopping for 12 months*
Representative 19.9% APR (variable)
Apply now for the M&S Reward Plus Offer
Check my eligibility for the M&S Reward Plus Offer
Credit available subject to status to UK residents aged 18 and over.
What you can get?
Two M&S reward points for every £1 you spend in M&S in the first year and one point for every £5 you spend elsewhere.*
Receive 500 M&S reward points vouchers worth £5, and then an additional £15 e-giftcard when you spend a minimum of £50 on your Credit Card.†
Start your shopping straightaway at M&S.com or in any M&S store with a £500 limit.**
Representative Example
19.9%
Purchase rate p.a.
(variable)
19.9% APR
Representative
(variable)
£1,200
Assumed
credit limit
Tell me more about the M&S Credit Card Reward Plus
- 0% Purchase Offer: 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
- 0% Balance Transfer Offer: 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)
- Always available: Manage and monitor your card anytime through Internet Banking and the M&S Banking App
- Secure: Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop
- Sparks: Use your M&S Credit Card and Sparks card together when you shop at M&S and earn even more rewards
Check your eligibility for an M&S Credit Card
It's free to use
It doesn't affect your credit rating
You'll get an answer in minutes
See how your rewards can add up
With our rewards calculator
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.
Sound like the right card for you?
Before starting your application, it is important that you read the information in the section below.
You can apply for an M&S Credit Card if:
- You are a UK resident, aged 18 or over with a regular annual income
- You have an annual income/pension of at least £6,800. View eligible income
- You have not been declined for an M&S Credit Card within the last 30 days
- You are happy for us to undertake a credit register and credit scoring search
- You have not held an M&S Credit Card within the previous 12 months
Important documents
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader(opens in a new window)
What does it mean for me?
What information will we ask you for on the application form?
What you’ll be asked for
During your application we will need your:
- Residential address
- Employment history
- Income (please ensure this reflects any impact directly or indirectly, from Covid-19)
- Email address
- The account number and sort code of your bank or building society
- Your previous address, if you’ve lived at your current address for less than 3 years
Other important documents
- Your guide to credit scoring
- M&S Loyalty Terms and Conditions
- M&S Bonus Points Voucher Terms and Conditions
- Rewards Plus Offer Terms & Conditions
- The Standards of Lending Practice
You may require Adobe PDF reader to view PDF documents. Download Adobe Reader(opens in a new window)
More information including changes in circumstances, eligible income
Change in circumstances
If you foresee any changes in your circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker please contact us on 0800 997 996 or visit your local M&S Bank branch to discuss further before starting your application online.
Credit and interest rates
Credit is subject to status. The rate we offer will depend on our assessment of your circumstances.
Checking your details
When we check your details with a credit reference agency, a search/enquiry is registered to say that you've applied for credit today. As part of our checks, we link your name with individuals associated with you financially, and any previous names you've provided.
We'll also check your details with a fraud prevention agency to prevent fraud and money laundering. If you've provided false or inaccurate information (and fraud is identified) we'll pass your details to fraud prevention agencies. If you want, we can explain how your information held by fraud and other credit reference agencies may be used.
Your new chip and PIN
If your application is approved, we'll send your PIN first, followed by your M&S Credit Card a few days later. You should receive your new card and PIN within ten working days.
Balance transfers
Once your application is approved, and you have received your M&S Credit Card, you'll be able to request a balance transfer within 90 days of opening your account (fee applies).
Eligible income
Here is a list of income we accept, that isn’t salary, pension or investments:
Armed Forces Compensation Scheme
Attendance Allowance
Carers Allowance
Child Benefit
Child Tax Credits
Constant Attendance Allowance
Disability Living Allowance
Employment and Support Allowance (Not Enhanced Employment Support Allowance)
Incapacity Benefit
Industrial Injuries Disablement Benefit
Pension Credit
Personal Independence Payment
Rental Income
Severe Disablement Allowance
Statutory Maternity Pay/Maternity Allowance
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.
Have a question about our credit cards?
Just ask our virtual assistant to see if it can help
FAQs
How can I shop online or in store straightaway?
If your application is accepted, we will send temporary card details to you via email.
We will send your M&S Credit Card in the post but in the meantime, you will be able to spend up to £500 online today at marksandspencer.com or in any M&S store.
What do I need to know about shopping online or in store straightaway?
The temporary card details we'll send you:
- Can be used to spend up to £500 at marksandspencer.com or in any M&S store (but you won't be able to use them anywhere else)
- To use the temporary card in store you will need a secondary form of ID and the email containing your temporary card number
- Can be used for 5 days including the day you open your account
- Can't be used to purchase M&S gift cards
- Any amount you spend using your temporary card details will appear on your first statement
When your new M&S Credit Card arrives in the post, you'll be able to use it elsewhere (including in store and at other retailers), up to your credit limit.
**Excludes M&S Giftcards
*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. 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
†You will receive a 500 points voucher worth £5 in M&S vouchers. Points convert to vouchers with your next or subsequent loyalty mailing. Receive an additional £15 e-gift card when you spend a total of at least £50 on your credit card within 90 days of account opening. E-gift card will be sent within 45 days of meeting these requirements. £15 e-gift card Terms and Conditions apply. Bonus Terms and Conditions apply