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M&S Credit Card Application

We have seen a significant increase in customers looking for answers about making a M&S credit card application, over recent months.

A Marks and Spencer credit card application is very popular at the moment within the UK card market. This is due to M&S Bank, currently, having some of best 0% introductory offers available, in the UK. The M&S credit card range offers customers a choice of cards with 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 Apply Online?

M&S Credit Card Application

Can a UK customer looking for a Marks and Spencer credit card apply online?

Yes, customers looking to make a Marks and Spencer credit card application can apply online. M&S Bank is not a traditional bank and does not have high street bank branches. As a result, most customers will make their credit card applications online.

Customers who apply for a Marks and Spencer credit card online, can use an eligibility checker, before submitting a 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. The eligibility check does not affect your credit rating in any way.

Apply For M&S Credit Card

You can apply for a M&S credit card below. Both of these cards currently have long introductory 0% offers.


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0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% 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

Application Criteria

M&S Transfer Plus*
  • 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
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 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

Application Criteria

M&S Shopping Plus*
  • 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
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

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 s 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

In addition you will not be successful making a 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 includes the first direct and Partnership credit cards.

M&S Credit Card Application Time?

What is the typical M&S credit card application time?

When a customer makes a Marks and Spencer credit card application online, typically the customer should be able to complete the application within as little as 3 minutes.

If accepted, the customer can sign online and M&S Bank will then open the card account. After the account is opened, the credit card will be sent to the customer in the post. The card should arrive within 3 to 5 working days.

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 issue any cards using the Visa payment network.


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Published: August 25, 2021, Updated: September 28, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily