Before you apply for the M&S Rewards Credit Card

It is important that you read all the information below.

All information you supply will remain safe,
secure and confidential

Credit card eligibility checker

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

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To apply for an M&S Credit Card you must:

be over 18 years old & live in the UK
have an annual income/pension of at least £6,800. View eligible income
not be registered as bankrupt, have any County Court Judgments or defaults within the last 6 months and are up to date on any current credit agreements
not have an M&S Credit Card already in your name and have not been declined for an M&S Credit Card within the last 30 days
be happy for us to undertake a credit search and credit scoring

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What does this mean for me?

During your application we will need your:

Residential address
Employment history
Income
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

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 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 will be able to apply for a balance transfer within 90 days of opening your account. We accept balance transfers from most credit or store cards held with other lenders.

Eligible income

Your gross annual income is the amount you receive before tax, national insurance and any other deductions. This includes self-employed income and any pensions.

If you receive income from a zero hours’ contract, please include your average earnings for the last 12 months with the same employer.

Please include any benefit income when guaranteed for the duration of the lending. These include, but are not limited to:

Universal credit (not including job seekers allowance)
Working family tax credits & child tax credits
Any maintenance or child support payments
Benefits for those with a disability or caring for a dependent

We may need to see evidence of these payments.

Important documents

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Once you submit your application

Once you apply and sign online, we will then open your account and send your card in the post. It should arrive in 3-5 working days.

Before starting your application you should read the important information above relating to the M&S Rewards Credit Card. By applying you agree that we can check your details with a credit reference agency and a fraud prevention agency.

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If you are unable to complete your application online, we’re here if you need extra support. Please call us on 0800 997 996.

Lines are open 8am-8pm Monday to Friday, 8am-7pm Saturday, 10am-6pm Sunday. Calls are recorded.

Before you apply for the M&S Rewards Credit Card

Credit card eligibility checker

To apply for an M&S Credit Card you must:

What does this mean for me?

What information will we ask you on the application form?

More information including changes in circumstances, eligible income

Important documents

Once you submit your application

Digital banking