Representative Example
24.9% APR
Representative (variable)
24.9%
Purchase rate p.a. (variable)
£1,200
Assumed credit limit
M&S Credit Card Purchase Plus Offer
0% interest on shopping for up to 25 months from account opening
0% interest on balance transfers for up to 12 months on transfers made within 90 days (3.49% fee, min £5)*
You need to be a Sparks member to apply, see eligibility criteria for more details
M&S plc acts as a credit broker and not a lender.
Credit is subject to status. 18+, T&Cs apply.
Benefits of a purchase plus credit card
0% interest on shopping for up to 25 months from account opening
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
Earn Rewards points with every shop
Earn 1 point per £5 spent at M&S and elsewhere, which will be converted into M&S vouchers for you to spend.
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 Sparks through the M&S app
Access Rewards vouchers and track your points online or in the M&S app
Choose how to pay your credit card
Set up a Direct Debit
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
Securely manage your credit card anytime
Use Internet Banking and the M&S Banking App
Help and support when you need it
Access help and support 24/7 with our virtual assistant or call our call centre
Frequently asked questions
Purchase Plus FAQs
What is a purchase credit card?
A purchase credit card lets you spread the cost of your purchases over a set period of time, such as several months. This type of credit card lets you purchase with 0% interest during the promotional period.How does a purchase credit card work?
Purchase credit cards work by helping you spread the cost of larger purchases over a period of time without paying interest.As a purchase credit cardholder, you can make purchases once you receive your card and pay 0% interest on your spending within a fixed period of time. However, you will need to pay your balance in full before the interest free period ends, otherwise you will be charged interest. Once the interest-free period ends, you will pay interest on future purchases and any remaining balance at the standard rate.
What is the purchase rate on a credit card?
The purchase rate is the rate of interest applied to your regular credit card spending (outside of your interest-free period), and on any outstanding balance each month. As a representative example, if you borrowed £1,200 per year with an M&S Purchase Plus Credit Card, the purchase rate would be 24.9% APR.What is the difference between a balance transfer and purchase credit card?
A balance transfer credit card is designed to help you move the balance of one (or more) credit or store cards onto another card. The purpose is to help reduce the amount you repay in interest so you can pay off debt more quickly. In contrast, the main feature of a purchase credit card is to offer 0% interest for new purchases on your card within the set promotional period, rather than transferring balances between cards.Do I get section 75 protection on a Purchase Plus Credit Card?
Yes, you may be protected under Section 75 of the Consumer Credit Act if you use your credit card to pay for goods or services between £100-£30,000 and something goes wrong with the supplier. This means your credit card provider could be jointly liable if certain criteria is met.Will a Purchase Plus Credit Card build credit?
You can build a good credit history by maintaining at least your monthly minimum payments on a credit card. This can prove to lenders that you're a reliable borrower. Building your credit history could help you with future borrowing and access to better interest rates. But remember, your credit score could be harmed if you don't make payments on time or go over your credit limit.Applying for a Credit Card
Who can apply for the M&S Credit Card?
You can apply for an M&S Credit Card if:- You are a UK resident, aged 18 or over, with a regular annual income
- You have an annual income/ pension of at least £6,800
- You have not been declined for an M&S Credit Card within the last 30 days
- You are happy for us to undertake a credit register and credit scoring search
- You have not held an M&S Credit Card within the previous 12 months
What information will we ask you for on the application form?
During your application we will need your:- Residential address
- Employment history
- Income
- Email address
- The account number and sort code of your bank or building society
- Your previous address, if you've lived at your current address for less than 3 years
When will my card arrive?
Once you apply and sign online, we will then open your account and send your card in the post. It should arrive in 3-5 working days. When your new M&S Credit Card arrives in the post, activate your card and you will be able to use it for purchases at M&S and elsewhere.General Credit Card FAQs
How can I pay my credit card?
There are many different ways you can pay your M&S Credit Card account each month including setting up a Direct Debit or online with a debit card via Internet Banking.Can I change my credit limit?
If you're an M&S Bank Credit Card customer, you can request a credit limit increase using Internet Banking. Some may not qualify for a credit limit increase, however decreases will always be applied if requested.Can I use my card abroad and will I be charged for this?
You can use your M&S Credit Card to pay for goods and services wherever you see the MasterCard logo. When you make a transaction in a foreign currency or cash advance/withdrawal with your M&S Credit Card, rates and fees may be added.Credit Card Rewards
In what format will I receive my Rewards?
You will be able to access your live Rewards vouchers in your M&S account. If you want to receive your Rewards via post, you can update your preferences in your M&S account.How often will I receive Rewards in my M&S account?
Your M&S Rewards points will be converted to Rewards vouchers four times a year, usually in March, June, September and December.Can I receive paper Rewards?
If you want to receive your Rewards via post, you can update your preferences in your M&S account.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 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.