font loading for Top nav
Xmas_Glitter
Hello

ENJOY ALL OF THESE BENEFITS

Unlock a £40 E-Gift card

Spend £250 in the first 90 days of opening your account and get a £40 M&S E-Gift card.*

Earn points, get rewards

Collect Rewards Points every time you shop. They'll be converted to M&S Vouchers and sent to you quarterly.

No interest

Zero interest on shopping and balance transfers†, for the first 12 months. †2.9% fee applies, minimum £5

REPRESENTATIVE EXAMPLE

21.9%

Purchase rate p.a. (variable)

21.9% APR

Representative (variable)

£1,200

Assumed credit limit

HOW REWARDS POINTS WORK

Earn 2 points per every £1 spent at M&S for the first 12 months

Earn 1 point per every £1 spent at M&S after the first 12 months

Earn 1 point per every £5 spent everywhere else

Points are converted to M&S Vouchers and sent to you quarterly to spend in M&S

100 points = £1 back to spend in M&S.

EXAMPLES

You can spend your vouchers on a wide range of things, for example...

You can spend your vouchers on a wide range of things, for example...

Show examples

down-arrow

Hide examples

down-arrow

200 points = £2

Treat your taste buds to a bag of Percy Pigs.

1,500 points = £15

Pick up a few pizzas for a family night in.

3,000 points = £30

Smarten up your wardrobe with a new shirt.

10,000 points = £100

Explore your inner chef with some new kitchenware.

REWARDS CALCULATOR

Calculate how much you'll get back each year to enjoy in M&S Vouchers.

Open Calculator

down-arrow

Close Calculator

down-arrow

Monthly spend at M&S

Online and in-store

Rewards Points:

0

Monthly spend elsewhere

(e.g. petrol, shopping, traveling)

Rewards Points:

0

Voucher amount you'll get (per year)

In the first year

£0

Each year thereafter

£0

In the first year

0

Each year thereafter

0

card

with a Club Rewards subscription. Find out more

£0

£0

Club Rewards annual voucher amount

In the first year

0

Each year thereafter

0

Enjoy even more benefits for just £10 a month with a Club Rewards subscription.

Find out more

ELIGIBILITY CHECK

Check if you are likely to be accepted before you apply

It’s free to use

It doesn’t affect your credit rating

Get an answer in minutes

READY TO APPLY?


NOT QUITE THE RIGHT OFFER FOR YOU?

Check out one of these offers instead

Shopping Plus offer

Transfer Plus offer