M&S BANK & SERVICES
EXPLORE OUR CREDIT OFFERS
| Sparks Pay Digital Credit Account Learn more & apply |
M&S Shopping Plus Offer Credit Card Learn more & apply |
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|---|---|---|
| No annual fee | ||
| No annual fee | ||
| Instant decision | ||
| Instant decision | ||
| Shop straight away at M&S | ||
| Shop straight away at M&S | ||
| Purchase protection | ||
| Purchase protection | ||
| Shop outside M&S | ||
| Shop outside M&S | ||
0% interest on shopping2 For the first 18 months. |
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0% interest on shopping2 For the first 18 months. |
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0% interest on balance transfers For the first 15 months. Available for 90 days from account opening. 2.99% fee applies, minimum £5. |
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0% interest on balance transfers For the first 15 months. Available for 90 days from account opening. 2.99% fee applies, minimum £5. |
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| Rewards Points for shopping at M&S | ||
| Rewards Points for shopping at M&S | 1 Rewards Point per every £1 spent |
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| Rewards Points for shopping elsewhere | ||
| Rewards Points for shopping elsewhere | 1 Rewards Point per every £5 spent |
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M&S Vouchers Voucher amount is based on spend. |
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M&S Vouchers Voucher amount is based on spend. |
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| Learn more & apply | Learn more & apply | |
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.
1Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 6 next day deliveries (not available in some locations eg Northern Ireland and Guernsey), points earned from £1,000 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.
2Interest-free periods are determined by your M&S Credit Card terms.
3Next day delivery. For purchases made online at marksandspencer.com you will be eligible for next day delivery at no extra cost. This will not apply to food, hampers, wine, flowers, furniture and items described as on sale. You need to have a marksandspencer.com account, set up in your name, to enjoy this benefit. Your account will usually be updated to include next day delivery within 6 working days of you opening both Club Rewards and your marksandspencer.com account. Only available to the main Club Rewards member. Your Club Rewards welcome pack will include two one-time promotion codes to use until the benefit is applied to your account. Once set up, each time you order online simply select next/nominated day delivery at checkout, and we'll automatically deduct the cost of delivery when you pay. Subject to availability and Marks and Spencer next day delivery terms and conditions. Visit marksandspencer.com/c/help/delivery for more information. Some locations may be excluded and delivery slots may be limited.
4When you pay using your card abroad a fee of 2.99% of the transaction amount in Sterling will apply to any purchase made in a foreign currency.
We accept balance transfers from most credit or store cards held with other lenders.
