M&S Rewards Credit Card

Earn M&S Rewards points and spread the cost of your purchases

Benefits of an M&S Rewards Credit Card

  • Earn M&S vouchers

    Earn Rewards points every time you shop, and they'll be converted into M&S vouchers for you to spend. For the first six months, we'll give you 5 Rewards points per £1 spent at M&S. After this, it will return to the standard 1 point per £1 purchase at M&S*. See how your Rewards points could add up.

  • 0% Interest on purchases for 9 months

    You can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.

  • 0% Interest on balance transfers for 9 months

    0% for 9 months on balance transfers made within 90 days of account opening (3.49% fee, min £5)**.



Representative example

23.9% Purchase rate p.a (variable)

23.9% A P R Representative (variable)

£1,200 Assumed credit limit

What do these rates mean?


Credit card eligibility checker

It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.

Check my eligibility

Ready to apply?

Use our online application to apply now

Start my application
Finder Awards 2023 for credit cards, M&S Bank 5 stars highly commended

Mobile banking

Stay in control with our mobile banking app.

The M&S Banking App allows you to manage your M&S Credit Card in the palm of your hand. View your credit card PIN, securely confirm online payments and receive notifications when you spend. Please note device restrictions apply.

Learn more about mobile banking

What else can an M&S Credit Card offer?

Collect rewards points with each shop

Earn 5x Rewards points when you shop at M&S for the first six months after activating your card. For the first six months, you'll receive 5 Rewards points per £1 spent in M&S and 1 Rewards point for every £5 spent elsewhere. Reverting to 1 point per £1 spent at M&S after six months. 100 Rewards points = £1 in M&S vouchers. See how your rewards points could add up.

Receive up to 55 days of interest-free credit

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

Add an additional cardholder to share benefits

You can add an additional cardholder over the age of 18 to your account, so you can both enjoy the same card benefits and earn M&S points on all your shopping.

Manage your account online

Manage and monitor your card anytime through Internet Banking and the M&S Banking App.

Enjoy peace of mind with M&S security

Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop.

Benefit from personalised offers with Sparks

You can also register for Sparks to benefit from personalised offers, a charity donation with every purchase and more when you shop at M&S.

Balance Transfer Calculator

Balance transfer calculator

With the M&S 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 . 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). A P R is variable. Savings based on % transfer fee.

Ready to apply?

Use our online application to apply now

Start my application

Frequently asked questions

What other borrowing options are there?

Visit our ways to borrow page to understand more about the types of borrowing available at M&S Bank before deciding what is best for you.

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?

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.

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.

How do credit cards work?

Understand the fundamentals of credit cards and how they can benefit you.

Learn more


Not the right card for you?

Learn more about the benefits of our other credit card offers.

Find out more


Credit card rewards

As an M&S Bank cardholder you earn Rewards points every time you spend. Those Rewards points turn into M&S Rewards vouchers up to four times a year, which are either sent to you in the post or are available in your Sparks account at marksandspencer.com or in the M&S app. Use these to treat yourself in M&S stores or online.

M&S Club Rewards

If you really love M&S, by subscribing to M&S Club Rewards for £10 per month, you will receive M&S gifts, treats and vouchers that could be worth £240***, throughout the year.

M&S Rewards

Learn more about the Rewards you receive by using your M&S Credit Card

M&S Club Rewards

Enjoy even more Rewards by becoming a M&S Club Rewards member

M&S Rewards Calculator

Understand what M&S Rewards you can receive here


* Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S Rewards vouchers.

** Our credit card offer balance transfers have a 3.49% fee, minimum £5. 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. We accept balance transfers from most credit or store cards held with other lenders.

*** Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 9 next day deliveries (not available in some locations e.g. Northern Ireland and Guernsey), points earned from £300 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.