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Get the card that gives you morewith the M&S Instant Spend Reward Plus Offer

Apply today for an M&S Credit Card
and start shopping straightaway!

Representative Example

19.9%
Purchase rate p.a (variable)

19.9% APR
Representative (variable)

£1,200
Assumed credit limit

 

Apply now for the M&S Reward Plus Offer

Credit available subject to status to UK residents aged 18 or over.

Benefits of the Reward Plus Offer

Spend up to £500 online at M&S.Com straightaway**

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

0% interest

for 6 months on balance transfers made within 90 days of account opening (2.9% fee, min £5)*

Double M&S points on all your M&S shopping for the first 12 months every time you shop

Check if you're likely to be accepted for an M&S Credit Card without affecting your credit score. Find out more (opens in a new window)

*Balance transfers have a 2.9% fee, minimum £5. Terms and conditions apply (we don't normally allow you to do this where the other lender is in the HSBC Group). 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.

Balance Transfer and Rewards Calculator

With the M&S Reward Plus Credit Card you'll pay no interest for 6 months on balance transfers made within 90 days of account opening (a fee applies – 2.9% of the amount transferred, min £5)

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.

Did you know we have other Credit Card offers?

Transfer Plus Offer

0% for 28 months on balance transfers made within 90 days of account opening (2.85% fee applies, minimum £5)

Find out more for the M&S Transfer Plus Offer

Shopping Plus Offer

0% on shopping for 20 months and 0% for 20 months on balance transfers made within 90 days of account opening (2.9% fee applies, minimum £5)

Find out more for the M&S Shopping Plus Offer

Ready to apply for the Reward Plus Offer?

Apply for the M&S Reward Plus Offer

FAQ's

How can I shop online 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.

What do I need to know about shopping online straightaway?

The temporary card details we'll send you:

  • Can be used to spend up to £500 at marksandspencer.com (but you won't be able to use them anywhere else).
  • 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