Features and benefits
If you take out a new M&S Credit Card today, you'll pay no interest for 20 months on balance transfers made within 90 days of account opening (2.9% fee applies, minimum £5).
No interest to pay on purchases for 20 months
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 20 months.
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 in full and on time each month.
Enjoy a competitive rate of a representative 19.9% APR variable.
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
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.
Footnote 1*  M&S Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S reward vouchers.
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 including information about payment protection insurance.
How does the M&S Credit Card complement Sparks card?
With M&S Bank and Sparks, it’s easy to get even more of what you love. You’ll enjoy everything from tailor-made offers and priority access to new-season previews and sales and lots of little treats. Plus, every time you use your M&S Credit Card, you’ll also be collecting points and earning reward vouchers to spend at M&S too – so M&S Bank and Sparks really are a perfect match!
How do I make a payment on my M&S Credit Card?
Balance transfer calculator
With the M&S Credit Card you'll pay no interest for months on balance transfers made within 90 days of account opening (a fee applies – % of the amount transferred). 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.
Please enter a higher amount. The minimum repayment is 2.5% of your balance, or £5, whichever is highest.
You could save £-- by switching to M&S Credit Card
Based on the figures entered, your balance would be paid off in -- months. This saving is based on months being interest free and after that the standard variable rate of % has been assumed.
The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S Credit Card . 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). APR is variable. Savings based on % transfer fee.
Slide the markers to see how much you'll receive each year in reward vouchers when you use your M&S Credit Card.We'll give you one point for every £1 you spend in M&S and one point for every £5 you spend elsewhere. If you're an M&S Premium Current Account holder you'll receive three points for every £1 spent at M&S on your M&S Credit Card.
Applyfor an M&S Credit Card
† If you're an M&S Credit Card customer you'll earn 1 point for each £1 spent in M&S. If you're an M&S Premium Club customer you'll earn an additional 2 points for each £1 spent in M&S (total of 3 points). If you're an M&S Premium Club and M&S Credit Card Reward Plus customer (still within your introductory period) you will earn 2 points for each £1 spent as an M&S Credit Card Reward Plus customer, along with an additional 2 points as an M&S Premium Club customer (total of 4 points for each £1 spent). At the end of your introductory period you will revert to earning 3 points for every £1 spent in M&S as standard for M&S Premium Club customers.