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Start my applicationCredit available subject to status to UK residents aged 18 or over. Balance transfers have a 2.99% fee, minimum £5. Terms and conditions apply.
M&S Credit Card Transfer Plus offer
Looking to transfer a credit card balance? Explore our balance transfer credit card option
Benefits of a balance transfer credit card
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0% Interest on balance transfers for 28 months
0% for 28 months on balance transfers made within 90 days of account opening (2.99% fee, min £5)*.
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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.
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Earn 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.
Representative example
23.9% Purchase rate p.a (variable)
23.9% APR Representative (variable)
£1,200 Assumed credit limit
Credit card eligibility checker
It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.
Mobile banking
Stay in control with our mobile banking app.
The M&S Banking App allows you to manage your M&S Credit Card in the palm of your hand. View your credit card PIN, securely confirm online payments and receive notifications when you spend. Please note device restrictions apply.
Additional benefits of a balance transfer credit card
Collect rewards points with each shop
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.
Receive 55 days of 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.
Add an additional cardholder to share benefits
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
Manage and monitor your card anytime through Internet Banking and the M&S Banking App.
Enjoy peace of mind with M&S security
Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop.
Benefit from personalised offers with 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.
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.
Frequently asked questions
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.
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.
How do credit cards work?
Understand the fundamentals of credit cards and how they can benefit you.
Not the right card for you?
Learn more about the benefits of our purchase credit card offer.
Credit card 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 over £240**, on average, 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
M&S Club Rewards
Enjoy even more rewards by becoming a M&S Club Rewards member
M&S Rewards Calculator
Understand what M&S Rewards you can receive here
* Balance transfers have a 2.99% 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. We accept balance transfers from most credit or store cards held with other lenders.
** 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.