Credit is subject to status. M&S plc acts as a credit broker not a lender, for M&S Credit Card and Sparks Pay.
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 Sparks Pay Digital Credit Account Learn more and apply |  M&S Credit Card Rewards Credit Card Learn more and apply | |
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No annual fee | ||
Instant decision | ||
Shop straight away at M&S | ||
Purchase protection1 | ||
Shop outside M&S | ||
0% interest on shopping2 For the first 18 months. | ||
0% interest on balance transfers For the first 15 months. Available for 90 days from account opening. 2.99% fee applies, minimum £5. | ||
Rewards Points for shopping at M&S | 5 Rewards Points per £1 spent for the first 6 months, reverting to 1 Rewards Point per £1 spent thereafter3 | |
Rewards Points for shopping elsewhere | 1 Rewards Point per every £5 spent | |
M&S vouchers Voucher amount is based on spend. |
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Terms & Conditions
Marks and Spencer plc, Waterside House, 35 North Wharf Road, London W2 1NW acts as a credit broker and not a lender. Authorised and regulated by the Financial Conduct Authority (Register no. 718711). Credit is provided subject to status by Marks & Spencer Financial Services plc to UK residents aged 18 or over.
M&S Travel Money is not regulated by the FCA.
*Get up to 76 days interest free on your first order when you pay your balance in full, and up to 45 days for later transactions. We may send you a statement each month, the minimum payment in your first statement will be £0.
**20% off at M&S offer: may be redeemed on your first Eligible Purchase after account opening either online at M&S.com or in a participating UK store (see full offer T&Cs for exclusions). This may include one or more eligible items purchased in a single transaction totalling a maximum value of £500 (after discount), the balance to be paid using Sparks Pay. Eligible items exclude: Brands at M&S, 30% and higher % off offers, Beauty Advent Calendar and Beauty Box offers, Furniture (including furniture delivery and disposal services), stationery, cards and wrap, personalised items, made to order suits, made to order curtains, tailoring alterations, schoolwear, ‘Your School Uniform’ service, repairs services, name tapes, gift cards/vouchers, food, flowers, beers, wine & spirits, charity items, M&S opticians, sale and clearance items. Full T&Cs apply and can be viewed here.
1Purchases between £100 and £30,000 are covered by Section 75 protection. If you need to dispute a purchase, having a credit card can be helpful. If there’s an issue with something you bought, you could put a claim into the credit card company to get your money back, under section 75 of the Consumer Credit Act.
2Interest-free periods are determined by your M&S Credit Card terms.
3Full Credit Card T&Cs apply apply, see here. Offer can be withdrawn at any time.
We accept balance transfers from most credit or store cards held with other lenders.
