Credit is subject to status. M&S plc acts as a credit broker and not a lender, for M&S Credit Card and Sparks Pay
Explore our other Credit Card offers
Find an M&S Credit Card that's right for you
88% of M&S Bank customers in Finder.com's customer satisfaction survey would recommend the brand to a friend.
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.
M&S Travel Money is not regulated by the FCA.
We accept balance transfers from most credit or store cards held with other lenders.
