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credit-card

 EXCLUSIVE

Enjoy a £45 M&S e-gift card*

with the M&S Credit Card Shopping Plus Offer
*Only new customers are eligible for this offer. £250 minimum spend across 5 or more qualifying purchases within the first 90 days. E-gift card will be received within 45 days of the qualifying spend. Offer ends 12th September 2023.

Credit is subject to status. M&S plc acts as a credit broker not a lender.

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REPRESENTATIVE EXAMPLE:

23.9%

Purchase rate p.a. (variable)

23.9% APR

Representative (variable)

£1,200

Assumed credit limit
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ENJOY ALL THESE BENEFITS

 

Earn M&S Vouchers
when you shop

 

Zero interest on shopping
for the first 18 months

 

Zero interest on balance transfers for the first 15 months

Available for 90 days from account opening.
2.99% fee applies, minimum £5.

HOW REWARDS POINTS WORK

 

Earn 1 point per every £1 spent at M&S

 

Earn 1 point per every £5 spent elsewhere

 

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

200 points = £2 back to spend in M&S.

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

REWARDS CALCULATOR

Monthly spend at M&S

Online and in-store

Rewards Points: 0

Monthly spend elsewhere

(e.g. petrol, shopping, travelling)

Rewards Points: 0

Voucher amount

Per year

£0

Total Rewards Points: 0

3 steps to your £45 M&S E-Gift Card

 
1. Apply
For the M&S Credit Card Shopping Plus offer.
 
2. Get accepted
And spend £250 in the first 90 days across 5 or more qualifying transactions.
 
3. Treat yourself
Get excited, your e-gift card will drop into your inbox within 45 days of meeting the spend criteria.
Continue
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Looking to transfer
a credit card balance?

Check out the Transfer Plus offer instead

Balance transfer fees apply

How to shop straight away

If your application is instantly approved, you will be able to benefit from a temporary credit limit of £500 to use immediately. We will send temporary card details to you via email and details of how you can use your card at marksandspencer.com or in any M&S Store, whilst you are waiting to receive your New M&S Credit Card in the post.

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.

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.


*£45 M&S e-gift card offer: Offer only available to customers applying through a promotion for the offer in your Sparks account or received by email. Card account must be opened and used for 5+ qualifying purchases totaling at least £250 in the first 90 days. E-gift cards will be received within 45 days of this spend. Qualifying purchases exclude foreign currency and other cash related payments, and M&S gift cards/vouchers. New customers only who haven’t held an M&S Credit Card within the last 12 months. Not available in conjunction with any other offer. Offer available between 30th August and 12th September 2023.


Credit card and full offer T&Cs apply and can be viewed here.


We accept balance transfers from most credit or store cards held with other lenders.