Not the right card for you?
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.
Say hello to M&S Club Rewards
After you successfully apply for your M&S Credit Card, you will have the option to upgrade to M&S Club Rewards and enjoy exclusive benefits for £10 per month.
M&S Club Rewards is subject to status and account conduct. You must be the main M&S Credit Card account holder to join. Club Rewards is automatically renewed monthly.
* 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
† If you’re an M&S Credit Card Rewards Offer customer you’ll earn 2 Rewards Points per £1 spent in M&S for the first 12 months. If you’re an M&S Club Rewards customer you’ll earn an additional 2 Rewards Points per £1 spent in M&S (total of 4 points). At the end of the introductory Rewards Offer period you will revert to earning 1 Reward Point per £1 spent at M&S, in addition to your M&S Club Rewards points earn of 2 points per £1 spent at M&S (total of 3 points). M&S Rewards Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S Rewards Vouchers.