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SHOP. REWARDS. REPEAT.

Shop with the M&S Credit Card, earn Rewards Points, and we’ll convert them to M&S Rewards vouchers for you to spend on your favourite things.

19.9% APR

Representative (Variable)

Credit is subject to status

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Looking to upgrade? Check out M&S Club Rewards

 
 

enjoy a £20 M&S voucher

with the M&S Credit Card Rewards Offer

Apply before 15 February 2022 and get a £20 M&S Voucher when you take out and use your new credit card.* You’ll also get double points in M&S for the first 12 months.

Marks and Spencer Plc is authorised and regulated by the Financial Conduct Authority (Register no. 718711) Marks and Spencer Plc is a credit broker not a lender.

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M&S Credit Card Rewards Offer

Get more from your shopping with the M&S Credit Card Rewards Offer.

 

Enjoy all these benefits

Double points

1 point for every £5 spent outside M&S 1

Double points

Double points on M&S purchases in the first 12 months 2

Double points

£20 M&S voucher when you take out and use the card 3

12 months 0% interest on transfers

0% interest on shopping for first 12
months 4

0% interest on shopping

12 months 0% interest on balance transfers (2.9% fee applies, minimum £5) 5

Double points

No monthly fee

Representative example

19.9%

Purchase rate p.a.
(Variable)

19.9% APR

Representative
(Variable)

£1,200

Assumed
credit limit

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1 1 point for every £5 spent outside M&S. You’ll earn 1 Rewards point for every £5 you spend elsewhere.

2 Double points on M&S purchases in the first 12 months. If you are an M&S Credit Card Rewards offer customer, you will earn 2 Rewards Points per £1 spent in M&S for the first 12 months. If you are also an M&S Club Rewards customer, you’ll earn an additional 2 Rewards Points per £1 spent in M&S (total of 4 Rewards Points). At the end of the introductory Rewards offer period you will revert to earning 1 Reward Point per £1 spent at M&S, in addition to your M&S Club Rewards points earn an extra 2 Rewards Points per £1 spent at M&S (total of 3 Rewards Points). M&S Rewards Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S gift cards or voucher.

3 £20 voucher offer. Spend £100 on purchases using your card in the first 90 days and earn 2,000 points worth £20 in M&S vouchers. Vouchers will be received within 6 months of this spend, with your next or subsequent quarterly loyalty mailing. Qualifying purchases exclude foreign currency and other cash related payments, and M&S gift cards/vouchers. Available only to new customers who haven’t held an M&S Credit Card within the last 12 months and apply online via a promotional banner; not available in conjunction with any other introductory voucher or discount offer. Offer ends 15th February 2022.

4 0% interest on shopping. Pay at least the minimum amount due each month and you won't pay any interest for the first 12 months.

5 12 months 0% interest on balance transfers. Made within 90 days of account opening (2.9% fee applies, minimum £5). At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Full offer T&Cs apply, view here.

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Looking for more options?

Our other Credit Card offers may be more suitable for you. Use your card to shop at M&S straight away

  • If your application is accepted, we'll send temporary card details to you via email. We'll send your M&S Credit Card in the post but in the meantime, you'll be able to spend up to £500 online at marksandspencer.com or in any M&S store.

  • The temporary card details we’ll send you:

    • Can be used to spend up to £500 at marksandspencer.com or in any M&S store (but you won't be able to use them anywhere else). If you're using them in store, you'll need a secondary form of ID and the email including your temporary card number
    • Can be used for 5 days including the day you open your account
    • Can't be used to purchase M&S gift cards

    Any amount you spend using your temporary card details will appear on your first statement.

    When your new M&S Credit Card arrives in the post, you'll be able to use it elsewhere (including in store and at other retailers), up to your credit limit.

T&Cs

*£20 voucher offer: Spend £100 on purchases using your card in the first 90 days and earn 2,000 points worth £20 in M&S vouchers. Vouchers will be received within 6 months of this spend, with your next or subsequent quarterly loyalty mailing. Qualifying purchases exclude foreign currency and other cash related payments, and M&S gift cards / vouchers. Available only to new customers who haven’t held an M&S Credit Card within the last 12 months and apply online via a promotional banner; not available in conjunction with any other introductory voucher or discount offer. Offer ends 15th February 2022.

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. Credit card T&Cs apply.