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Apply online

You are about to apply for the
M&S Rewards Credit Card

Before starting your application, it is important that you read the before you apply section below.

  • All information you supply will remain safe,
    secure and confidential

Before you apply

To apply for an M&S Credit Card you must:

  • be over 18 years old & live in the UK
  • have an annual income/pension of at least £6,800. View eligible income
  • not be registered as bankrupt, have any County Court Judgments or defaults within the last 6 months and are up to date on any current credit agreement
  • not have an M&S Credit Card already in your name and have not been declined for an M&S Credit Card within the last 30 days
  • be happy for us to undertake a credit search and credit scoring

Important documents

Once you submit your application

Once you apply and sign online, we will then open your account and send your card in the post. It should arrive in 3-5 working days.

Before starting your application you should read the important information above relating to the M&S Rewards Credit Card. By applying you agree that we can check your details with a credit reference agency and a fraud prevention agency.

If you are unable to complete your application online, we're here if you need extra support. Please call us on 0800 997 996.

Lines are open 8am-8pm Monday to Friday, 8am-7pm Saturday, 10am-6pm Sunday. Calls are recorded.

Set up digital banking for your credit card or Everyday Savings Account, and access your accounts safely and securely at your convenience.