Representative Example
24.9% APR
Representative (variable)
24.9%
Purchase rate p.a. (variable)
£1,200
Assumed credit limit
Benefits of a purchase credit card
0% interest on shopping for up to 25 months
0% interest on balance transfers for up to 12 months
For transfers made within 90 days of account opening (3.49% fee, min £5*)
Up to 55 days interest-free credit
When you pay your balance in full and on time each month
88% of M&S Bank customers in Finder.com's customer satisfaction survey would recommend the brand to a friend.
More great benefits
Access your Rewards in your M&S account
Access Rewards vouchers, Bonus Offers and track your points online or in the M&S app
Choose how to pay your credit card
Set up a Direct Debit or use a debit card
Add an additional cardholder
Both earn Rewards points on all your shopping (cardholders must be 18+)
No cash advance fee for M&S Travel Money
When you use your M&S Credit Card
FAQs
Applying for a credit card
General credit card FAQs
Credit card Rewards
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 transfers 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.
M&S Travel Money is not regulated by the FCA.
