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Whether you're looking to earn Rewards, transfer a balance or get help on purchases, we have a card to suit your needs

M&S plc acts as a credit broker and not a lender.

Credit is subject to status. 18+, T&Cs apply.

A person wearing a dark jacket and a striped shirt leans against a green wall, holding a bag over their shoulder while looking thoughtfully upwards.

Our credit cards

Credit card image

M&S Rewards
Credit Card

Kickstart your earning with 4,000 points (worth £40 in M&S vouchers) when you spend £1,000 over 2+ transactions in your first 3 months.†
Plus, continue to earn Rewards when you shop which will be converted into M&S vouchers for you to spend.

Earn 1 point per £1 spent each time you shop at M&S and 1 point per £5 spent elsewhere

0% interest on shopping for 9 months from account opening

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
Credit card image

M&S Purchase Plus
Credit Card

Earn 1 point per £5 spent at M&S and elsewhere

0% interest on shopping for 25 months from account opening

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

Representative
example

24.9% APR

Representative (variable)

24.9%

Purchase rate p.a. (variable)

£1,200

Assumed credit limit

Find out more
Credit card image

M&S Transfer Plus
Credit Card

Earn 1 point per £5 spent at M&S and elsewhere

0% interest on shopping for 3 months from account opening

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

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)*

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

Check your eligibility in minutes

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

You'll need an M&S account to apply, see for more details

Hand holding an M&S credit card

Already have a credit card?

Access Rewards vouchers in your M&S account and track your points online or in the M&S app. Find out more

Learn more about credit cards

Need some extra information? Use our articles to find out more information about your next M&S Credit Card

  • Applying for your first credit card

    Learn more about choosing your first credit card. Our guide explains how to apply and what to consider.

  • How do credit cards work?

    Understand the fundamentals of credit cards and how they can benefit you.

  • Credit limits explained

    Find out what credit limits mean and how to check yours.

  • APR explained

    Learn more about Annual Percentage Rate (APR) and how it works.

  • Already a credit cardholder?

    If you're looking for support with your credit card we're here to help.

Explore more about credit cards

Need some extra information? Use our articles to find out more information about your next M&S Credit Card

What is a balance transfer credit card?

Learn how a balance transfer credit card can help you manage your finances.

Credit cards vs debit cards

Take a closer look at the differences between debit cards and credit cards.

Using a credit card for everyday purchases

Learn more about the pros and cons of using a credit card for everyday purchases.

How many credit cards should I have?

If you are thinking about getting another credit card our guide can support you.

Tips for using your credit card

Get the most out of your credit card spending with our quick tips for using a credit card.

How do credit card refunds work?

Learn everything you need to know about credit card refunds.

Using your credit card abroad

Going on holiday? Get to grips with how you can use a credit card outside of the UK.

Common credit card myths

Thinking about a new credit card or already have one? Understand your credit card a little better.

Hard credit checks explained

What's the difference between a 'hard' and 'soft' credit check?

Soft credit checks explained

What is a soft credit check and why is it useful?

Improving your credit score

Need to improve your credit score? Our quick guide can help you on your credit building journey.

How to check your credit score

Take a closer look at how to check your credit score.

Do balance transfers affect credit scores?

Learn how to reduce negative impact on your credit score when considering a balance transfer.

Protection on your credit card purchases

Airline gone bust? Item arrived faulty? Learn more about the protection provided by the Consumer Credit Act & section 75.

Why are credit card applications declined?

What are the reasons behind a declined credit card application and what can you do if your application is declined?

What is an interest-free period?

Learn how interest-free credit cards work and what it means for you.

Balance transfer period ending?

Are you at the end of your balance transfer promotion period? Our guide explains your options.

Transferring a credit card balance

Learn how a balance transfer works and explore our options.

How do 0% credit cards work

Learn the key things to know about any 0% credit card and how they work

What does arrears mean?

You may have heard the phrase 'arrears'. But what exactly does it mean?

How to recover from being scammed

Read our guide on how to identify the most common scams and how to report a scam.

Credit card security & protection

How can you spot the most common types of scam.

Other ways to borrow

Learn more about the types of borrowing available at M&S Bank before deciding what is best for you

Learn more

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. 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.

†Full offer and credit card T&Cs apply and can be viewed here. Offer can be withdrawn at any time.