• Double M&S points on all your M&S shopping for the first 12 monthsFootnote 2
  • 0% on shopping for 12 months
  • 0% on balance transfers for 12 months, available for 90 days from account opening (2.9% fee applies, minimum £5)

Representative example

Purchase rate p.a.

19.9% APR

credit limit

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

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.

Find out moreabout the M&S Credit Card offers

Features and benefits

A rewarding credit card

Collect M&S points every time you shop anywhere in the world with your M&S Credit Card. We'll give you two points for every £1 you spend in M&S in the first year (one point for every £1 in subsequent years) and one point for every £5 you spend elsewhere Footnote 1*.

12 months' shopping with no interest to pay

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 12 months.

Balance transfers

If you take out a new M&S Credit Card today, you'll pay no interest for 12 months on balance transfers made within 90 days of account opening (2.9% fee applies, minimum £5).

Up to 55 days' interest-free credit

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

Competitive rates

Enjoy a competitive rate of a representative 19.9% APR variable.

Manage your account online

You can go online to view your statement, pay your bill or even check your M&S points balance. See Internet Banking for more information.

Peace of mind

Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop. We use advanced fraud detection systems to monitor your credit card and to protect you if your card is lost or stolen.


Use your M&S Bank Card and Sparks card together when you shop at M&S and earn even more rewards.

Footnote 1* [1] 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.

Footnote 2[2]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). 

Ways to pay


How do I choose paperless statements?

Visit our paperless page for a step by step guide on how to turn off paper statements.

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?

Use your M&S Credit Card and your Sparks card together when you shop at M&S and earn even more rewards.

How has Sparks changed?

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(opens in a new window).

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.

Ready to apply?

Applyfor the M&S Rewards offer

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.