Our credit card offers
Whether you're looking to transfer a balance, get 0% on purchases or earn rewards, we have a card to suit your needs. Don't forget to use our credit card eligibility checker before applying for a credit card offer.
Your interest rate, promotional period and credit limit may vary depending on your individual circumstances.
- 0% interest on shopping for up to 20 months
- 0% interest on balance transfers for up to 12 months, available for 90 days from account opening (3.49% fee applies, minimum £5)*
Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend
Representative example
24.9% Purchase rate p.a (variable)
24.9% APR Representative (variable)
£1,200 Assumed credit limit
- 0% interest on balance transfers for up to 27 months, available for 90 days from account opening (3.49% fee applies, minimum £5)*
- 0% interest on shopping for 3 months
- Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend
Representative example
24.9% Purchase rate p.a (variable)
24.9% APR Representative (variable)
£1,200 Assumed credit limit
- 0% interest on shopping for 9 months
- 0% interest on balance transfers for 9 months, available for 90 days from account opening (3.49% fee applies, minimum £5)*
- Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend. 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**
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.
Already a credit cardholder?
If you're looking for support with your credit card we're here to help.
Mobile Banking
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.
More credit card information
Learn how a balance transfer credit card can help you manage your finances.
Take a closer look at the differences between debit cards and credit cards.
What is a soft credit check and why is it useful?
What's the difference between a 'hard' and 'soft' credit check?
Thinking about a new credit card or already have one? Understand your credit card a little better.
Learn how interest-free credit cards work and what it means for you.
Other ways to borrow
Learn more about the types of borrowing available at M&S Bank before deciding what is best for you.
Credit card rewards
As an M&S Bank cardholder you earn Rewards points every time you spend. Those Rewards points turn into M&S Rewards vouchers up to four times a year, which are either sent to you in the post or are available in your Sparks account at marksandspencer.com or in the M&S app. Use these to treat yourself in M&S stores or online.
M&S Club Rewards
If you really love M&S, by subscribing to M&S Club Rewards for £10 per month, you will receive £120 in M&S vouchers as well as other gifts and treats. In total, that could be worth £240***, throughout the year.
Explore more about credit cards
Learn more about the pros and cons of using a credit card for everyday purchases.
If you are thinking about getting another credit card our guide can support you.
Need to improve your credit score? Our quick guide can help you on your credit building journey.
Get the most out of your credit card spending with our quick tips for using a credit card.
Are you at the end of your balance transfer promotion period? Our guide explains your options.
Read our guide on how to identify the most common scams and how to report a scam.
You may have heard the phrase 'arrears'. But what exactly does it mean?
Take a closer look at how to check your credit score.
How can you spot the most common types of scam.
Learn everything you need to know about credit card refunds.
Learn how a balance transfer works and explore our options.
Going on holiday? Get to grips with how you can use a credit card outside of the UK.
Airline gone bust? Item arrived faulty? Learn more about the protection provided by the Consumer Credit Act & section 75.
Learn how to reduce negative impact on your credit score when considering a balance transfer.
What are the reasons behind a declined credit card application and what can you do if your application is declined?
Learn the key things to know about any 0% credit card and how they work.
* 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.
*** Based on £120 worth of M&S vouchers, 32 hot drink vouchers, 10% birthday voucher based on £60 average spend, and points earned from an average monthly spend in M&S of £34 on an M&S Credit Card.