Online application for the M&S Credit Card Rewards offer

M&S Credit Card Rewards offer

Check if you are likely to be accepted before you apply

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

Check my eligibility

Who can apply?

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

  • be over 18 years old
  • live in the UK
  • be happy for us to undertake a credit register search and credit scoring
  • have an annual income/pension of at least £6,800. View eligible income.

A new credit card cannot be opened if you have held a credit card with M&S Bank within the previous 12 months.

Important documents

M&S Credit Card Terms and Conditions

M&S Credit Card summary box

M&S Bank Privacy Notice

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All information you supply will remain safe, secure and confidential

What does it mean for me?

What information will we ask you for on the application form?

What you’ll be asked for

During your application we will need your:

  • Residential address
  • Employment history
  • Income (please ensure this reflects any impact directly or indirectly, from Covid-19)
  • 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

Other important documents

More information including changes in circumstances, eligible income

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.

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'll be able to request a balance transfer within 90 days of opening your account (fee applies).

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.

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.