Comparing UK 0% credit cards online since 2002We have seen an increasing number of customers looking for answers about making a M&S credit card application, over recent months, and years.
A Marks and Spencer credit card application is currently very popular within the UK card market. This is due to M&S Bank having some of the most competitive 0% introductory offers available, in the UK. The current M&S credit card range offers customers a choice of two cards, each card having different 0% deals and offers.
Answers to some of the most popular questions about how to apply for a M&S credit card, and the application process can be found below.
Marks And Spencer Credit Card Application
Can a UK customer make a Marks and Spencer credit card application online?
Yes, customers looking to make a Marks and Spencer credit card application can apply online. M&S Bank is not one of the traditional older banks, and as such, does not have high street bank branches. As a result, almost all customers will make their M&S credit card application online.
If you apply for a Marks and Spencer credit card online, you can use the M&S credit card eligibility checker, before submitting your full application.
This eligibility check will give you an indication of whether you are likely to be accepted for one of the M&S credit cards. Using the online M&S credit card eligibility checker does not affect your credit rating, in any way.
Apply For M&S Credit Card
You can apply for a M&S credit card by clicking on the links below. All of these featured Marks and Spencer credit cards currently have long introductory 0% offers.
0% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.
- 0% for up to 26 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for 3 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for up to 20 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
M&S Credit Card Application Time?
What is the typical M&S credit card application time?
When you make a Marks and Spencer credit card application online, typically you should be able to complete the application form within a few minutes.
If accepted, you can sign online, and M&S Bank will then open your new card account. After the account is opened, your new credit card will be sent out in the post. Your new card should then arrive within 3 to 5 working days.
M&S Credit Card Eligibility?
What is the eligibility criteria for a customer looking to make a M&S credit card application? Who can apply for a M&S credit card in the UK?
As a UK customer, you can make a Marks and Spencer credit card application if you meet the following eligibility criteria:-
- You are over 18 years old and live in the UK
- You have an annual income, or pension, of at least £6,800
- And you are happy for M&S Bank to undertake a credit register search and credit scoring
However you will not be successful making a new M&S credit card application, if you have held a M&S Bank credit card within the previous 12 months.
M&S Bank credit cards are actually issued by HSBC. As a result, a balance transfer cannot be made to a M&S credit card from any other HSBC 0% credit card. This also includes the First Direct credit cards, as well.
Visa Or M&S Mastercard?
When you apply for a Marks and Spencer credit card, what type of card do you receive?
Currently, all Marks and Spencer credit cards in the UK, use the Mastercard payment network. As many people will know, millions of locations around the world will accept Mastercard credit cards for payment. This includes restaurants, shops, petrol stations and hotels.
M&S Bank does not currently issue any UK credit cards using the alternative Visa payment network.
Related Content From 0% Credit Card Expert:-
Over recent months, we have seen an increasing number of queries regarding the HSBC credit card application process. We have also seen… Read More >>
What are no annual fee credit cards in the UK? How many credit cards with no annual fee, are currently available in… Read More >>
How long does it take to get a credit card? How long does a credit card take to arrive, in the UK?… Read More >>
