M&S Credit Card

The M&S credit card range currently offers a choice of M&S cards for customers in the UK.

The M&S Transfer Plus card is the M&S credit card for customers who are looking to make a balance transfer. This Marks and Spencer credit card has a long 0% introductory offer on balance transfers.

The M&S Shopping Plus card is the M&S credit card for those customers more interested in an all round card. This Marks and Spencer credit card now has a market leading long 0% introductory offer for purchases. The card also has a similar length introductory offer on balance transfers.

Also available from Marks and Spencer is the M&S Rewards Plus card. This card, primarily offers customers additional M&S Points on their card spend.

M and S Credit Card

The longest M and S credit card offer for customers looking to make a balance transfer is available on the M&S Transfer Plus credit card. This card offers 0% for 29 months on balance transfers with a 2.75% balance transfer fee, minimum £5. This card also offers 0% for 3 months on purchases and has a representative 21.9% APR variable. 

The M and S credit card offer for customers looking for an all round credit card is available on the M&S Shopping Plus credit card. This card now offers a longer 0% for 22 months on purchases and on balance transfers. The card has a 2.9% balance transfer fee, minimum £5 and a representative 21.9% APR variable.

The following featured M&S credit card offers are now available to UK customers:-

0% Credit Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 22 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 22 months

Representative APR:

21.9% APR (variable)

More Information >

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

More Information >

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

More Information >

0% Credit Card Offers

M&S Transfer Plus*

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

More Information >

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

More Information >

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

More Information >

A M&S credit card application can be made online. To apply for a M&S 0% credit card, you need to be a UK resident and aged 18 or over.

In addition, the customer needs to have an annual income or pension of at least £6,800. The customer must also not have held any credit cards with M&S Bank within the previous 12 months. This last requirement is a common constraint on credit card deals for existing customers across the UK card companies.

Marks and Spencer Credit Card

The Marks and Spencer 0% credit card is actually issued by HSBC Bank in the UK. As a result, balance transfers are not possible between any of the HSBC credit cards and a Marks and Spencer credit card.

The Marks and Spencer credit cards also offer customers Marks and Spencer reward points. Points are earned when the Marks and Spencer credit cards are used to make purchases online, or on the high street.

Customers with a Marks and Spencer credit card earn 1 point for every £1 spent in Marks and Spencer, using the card. This applies for purchases with the card in M&S online, or in the high street stores. Customers also earn one point for every £5 spent elsewhere using the card.

These M&S points are converted to rewards vouchers several times per year. The vouchers can be spent in M&S stores, either on the high street or online.

The Marks and Spencer credit card is issued as a Mastercard credit card. The M and S credit cards are accepted at the millions of locations which accept Mastercard cards, all around the world.

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