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M&S Rewards Credit Card

Rewards

Earn Rewards points every time you shop, which will be converted into M&S vouchers. For the first six months, we'll give you 5 Rewards points per £1 spent at M&S. After this, it will return to the standard 1 point per £1 purchase at M&S**

Purchase offer

0% interest on shopping for 9 months

Balance transfer

0% interest on balance transfers for 9 months (3.49% fee applies, minimum £5)¹

Representative example

23.9% APR

Representative (variable)

23.9%

Purchase rate p.a. (variable)

£1,200

Assumed credit limit

Find out more
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M&S Credit Card Purchase Plus Offer

Purchase offer

0% interest on shopping for up to 25 months

Balance transfer

0% interest on balance transfers for up to 12 months (3.49% fee applies, minimum £5)¹

Rewards

Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend

Representative example

24.9% APR

Representative (variable)

24.9%

Purchase rate p.a. (variable)

£1,200

Assumed credit limit

Find out more
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M&S Credit Card Transfer Plus Offer

Balance transfer

0% interest on balance transfers for up to 30 months (3.49% fee applies, minimum £5)¹

Purchase offer

0% interest on shopping for 3 months

Rewards

Earn Rewards points every time you shop which will be converted into M&S vouchers for you to spend

Representative example

24.9% APR

Representative (variable)

24.9%

Purchase rate p.a. (variable)

£1,200

Assumed credit limit

Find out more

¹Available for 90 days from account opening (3.49% fee applies, minimum £5)*

Check your eligibility in minutes

It won't affect your credit score, and you will get an immediate result.

What should I know before I start?
Check eligibility

Mobile Banking

Download the M&S Banking App to manage your M&S Credit Card, view your PIN, confirm online payments securely and get spending notifications

Learn more

Your rewards

M&S cardholders earn Rewards points on spending, converting into M&S Rewards vouchers to spend in store or online.

Why is my rate and promotional period 'up to'?

Learn more about why the rate and promotional period we offer will depend on your circumstances

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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.

*Our credit card balance transfer offers have a 3.49% fee, minimum £5. Terms and conditions apply. Don't forget to make at least your minimum payments on time to keep your promotional rates on balance transfers and purchases and save on interest. We accept balance transfers from most credit or store cards held with other lenders.

**Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency, or M&S Reward vouchers.

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