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M&S Credit Card Shopping Plus offer

Exclusive £25 cashback when you spend or transfer a balance over £100. Terms and conditions apply

  • 0% on shopping for 24 months
  • 0% on balance transfers for 24 months, available for 90 days from account opening (2.9% fee applies, minimum £5)
  • Earn M&S points every time you shop

Representative example

21.9%
Purchase rate p.a.
(variable)

21.9% APR
Representative
(variable)

£1,200
Assumed
credit limit

Check if you’re likely to be accepted for an M&S Credit Card, without affecting your credit score. Find out more about credit card elgibilility

Apply in as little as 3 minutes

Credit available subject to status to UK residents aged 18 or over. Balance transfers have a 2.9% fee, minimum £5. 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.

A rewarding credit card

We'll give you one point for every £1 you spend in M&S on your M&S Credit Card and one point for every £5 you spend elsewhere.

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 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, min £5). 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.

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.

Did you know we have other credit card offers?

If you’d rather have a longer period to pay off a balance transfer then the M&S Credit Card Transfer Plus offer may be more suitable for you.

Find out moreabout the M&S Credit Card Transfer Plus offer

If you’d rather have more M&S rewards the M&S Credit Card Rewards offer may be more suitable for you.

Find out moreabout the M&S Credit Card Reward Plus offer