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M&S Rewards Credit Card

Rewards

Earn Rewards points every time you shop, which will be converted into M&S vouchers. For the first six months, we'll give you 5 Rewards points per £1 spent at M&S. After this, it will return to the standard 1 point per £1 purchase at M&S**

Purchase offer

0% interest on shopping for 9 months

Balance transfer

0% interest on balance transfers for 9 months (3.49% fee applies, minimum £5)¹

Representative example

23.9% APR

Representative (variable)

Based on assumed credit limit of £1,200. A purchase rate of 23.9% p.a. (variable) and no annual fee.

Find out more
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M&S Credit Card Purchase Plus Offer

Purchase offer

0% interest on shopping for up to 24 months

Balance transfer

0% interest on balance transfers for up to 12 months (3.49% fee applies, minimum £5)¹

Rewards

Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend

Representative example

24.9% APR

Representative (variable)

Based on assumed credit limit of £1,200. A purchase rate of 24.9% p.a. (variable) and no annual fee.

Find out more
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M&S Credit Card Transfer Plus Offer

Balance transfer

0% interest on balance transfers for up to 30 months (3.49% fee applies, minimum £5)¹

Purchase offer

0% interest on shopping for 3 months

Rewards

Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend

Representative example

24.9% APR

Representative (variable)

Based on assumed credit limit of £1,200. A purchase rate of 24.9% p.a. (variable) and no annual fee.

Find out more

¹ available for 90 days from account opening (3.49% fee applies, minimum £5)*

Check your eligibility in minutes

It won't affect your credit score, and you will get an immediate result.

What should I know before I start?
Check eligibility

Mobile Banking

Download the M&S Banking App to manage your M&S Credit Card, view your PIN, confirm online payments securely and get spending notifications

Learn more

Your Rewards

M&S Bank cardholders earn rewards points on spending, converting into M&S Rewards vouchers to spend in-store or online use

Why is my rate and promotional period 'up to'?

Learn more about why the rate and promotional period we offer will depend on your circumstances

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Protection on your credit card purchases

Airline gone bust? Item arrived faulty? Learn more about the protection provided by the Consumer Credit Act & section 75.

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Learn how interest-free credit cards work and what it means for you.

Balance transfer period ending?

Are you at the end of your balance transfer promotion period? Our guide explains your options.

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Learn how a balance transfer works and explore our options.

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Coin Stack

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Learn more

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. We receive a payment from Marks & Spencer Financial Services plc for introducing customers who apply and are approved for credit. The payment is made to cover the costs we incur by offering credit products to our customers and may therefore vary depending on the credit product. It will not affect the amount you pay for credit.

* Our credit card balance transfer offers have a 3.49% 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.

** Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency, or M&S reward vouchers.

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