M&S Transfer Plus offer

Representative Example

Purchase rate p.a (variable)

23.9% APR
Representative (variable)

Assumed credit limit

What do these rates mean?

What you can get

Balance Transfer Offer

0% for 28 months on balance transfers made within 90 days of account opening (2.99% fee, min £5)*.

0% interest

On purchases for 3 months

You can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.

M&S Vouchers

Earn rewards points every time you shop and they'll be converted into M&S vouchers for you to spend.
See how your rewards points could add up.

Credit available subject to status to UK residents aged 18 or over. Balance transfers have a 2.99% fee, minimum £5. Terms and conditions apply.

Apply for the M&S Reward Plus Offer Credit Card

Tell me more

  • Rewards: Earn rewards points every time you shop and they'll be converted into M&S vouchers for you to spend. We'll give you 1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers. See how your rewards points could add up
  • 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.
  • Additional cards: 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.
  • Online: Manage and monitor your card anytime through Internet Banking and the M&S Banking App.
  • Secure: Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop.
  • Sparks: You can also register for Sparks to benefit from personalised offers, a charity donation with every purchase and more when you shop at M&S.

Check your eligibility for an M&S Credit Card

  • It's free to use
  • It doesn't affect your credit rating
  • You'll get an answer in minutes

Balance Transfer Calculator

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.

Sound like the right card for you?

We need you to read this important information first

You can apply for an M&S Credit Card if:

  • You are a UK resident, aged 18 or over, with a regular annual income.
  • You have an annual income/ pension of at least £6,800. View eligible income.
  • You have not been declined for an M&S Credit Card within the last 30 days.
  • You are happy for us to undertake a credit register and credit scoring search.
  • You have not held an M&S Credit Card within the previous 12 months.

Important documents

What does it mean for me?

What information will we ask you 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

Important information

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.

Checking your details

When we check your details with a credit reference agency, a search/enquiry is registered to say that you've applied for credit today. As part of our checks, we link your name with individuals associated with you financially, and any previous names you've provided.

We'll also check your details with a fraud prevention agency to prevent fraud and money laundering. If you've provided false or inaccurate information (and fraud is identified) we'll pass your details to fraud prevention agencies. If you want, we can explain how your information held by fraud and other credit reference agencies may be used.

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 will be able to apply for a balance transfer within 90 days of opening your account.

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.


Apply now in as little as 3 minutes

Your offer is loading… for the M&S Transfer Plus Offer Credit Card

Not the right card for you?

If you'd rather have a longer period to pay for your shopping or more M&S rewards, one of our other offers may be more suitable for you.

These are not just any rewards...

As an M&S Bank cardholder you earn rewards points every time you spend. Those rewards points turn into M&S vouchers ready for you to treat yourself in M&S stores or online up to four times a year. And, if you really love M&S, by subscribing to M&S Club Rewards you could receive £240** worth of goodies throughout the year, for just £10 a month.

M&S Rewards

Learn more about the rewards you receive by using your M&S Credit Card

Find out more

M&S Club Rewards

New or an existing M&S Club Rewards member?

Find out more

M&S Rewards Calculator

Understand what M&S Rewards you can receive here

Find out more

Calculate your credit card spends. See your rewards.

Collect 1 point for every £1 spent in M&S and 1 point for every £5 spent elsewhere. 100 points = £1 in M&S vouchers.

With M&S Club Rewards you'll receive an extra 2 points per £1 spent in M&S.


See footnote †

23.9% APR Representative (variable)

Apply now for an M&S Credit Card


  • 32 hot drinks vouchers
  • M&S next day delivery (exclusions apply)
  • £12 M&S Birthday Treat Voucher
  • £65 M&S vouchers
  • Extra points abroad (fees apply)

Available to existing cardholders for just £10 a month

Find out more about M&S Club Rewards

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.

Have a question about our credit cards?

Just ask our virtual assistant to see if it can help.


What other borrowing options are there?

Visit our ways to borrow page to understand more about the types of borrowing available at M&S Bank before deciding what is best for you.

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?

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.

* Balance transfers have a 2.99% 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

With the M&S Rewards Credit Card you’ll receive double points on all your M&S shopping for the first 12 months

** Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 6 next day deliveries (not available in some locations eg Northern Ireland and Guernsey), points earned from £1,000 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.