Benefits of an M&S Rewards Credit Card
- Earn M&S vouchersEarn Rewards points every time you shop, and they'll 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*. See how your Rewards points could add up.
- 0% Interest on purchases for 9 monthsYou can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.
- 0% Interest on balance transfers for 9 months0% for 9 months on balance transfers made within 90 days of account opening (3.49% fee, min £5)**.
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.
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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.
What else can an M&S Credit Card offer?
dpws-tools-calculator-creator
The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S Rewards 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 3.49% transfer fee.
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Frequently asked questions
How do credit cards work?
Understand the fundamentals of credit cards and how they can benefit you.
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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.
* Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S Rewards vouchers.
** Our credit card offer balance transfers 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.
*** 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.