Compare M&S credit card offers for 2026

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Compare the M&S range of cards

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Finder Score	Balance transfers	Purchases	Annual/monthly fees	Representative APR	Incentive
Promoted 8.7Great M&S Bank Transfer Plus Credit Card	8.7Great	0% for 30 months (3.49% fee)	0% for 3 months	£0	24.9% APR (variable)	Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply. Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
7.1Great M&S Bank Rewards Credit Card	7.1Great	0% for 9 months (3.49% fee)	0% for 9 months	£0	23.9% APR (variable)	Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply. Representative example: Representative 23.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 23.9% p.a. (variable).	More info Compare product selection Compare	loading
9.9Excellent M&S Bank Purchase Plus Credit Card	9.9Excellent	0% for 6 months (3.49% fee)	0% for 26 months	£0	24.9% APR (variable)	Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply. Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selection Compare	loading

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How we picked these

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

M&S offers a straightforward choice of cards with either an excellent 0% purchases offer or a 0% balance transfer offer. Get M&S points with any qualifying card spend and look out for regular bonus points offers for new customers.

One of the UK’s leading luxury food and clothing retailers, M&S’ financial arm is operated by the banking experts at HSBC. M&S Bank is a great choice if you want a warmer customer experience than you’d expect from a typical high street bank.

Types of M&S credit cards

Credit cards from M&S Bank are explicitly designed to save you money on interest charges and reward you for using an M&S credit card to pay for goods and services. Pick a card targeted at balance transfers, or save on the interest you would usually pay on shopping by choosing the Shopping Plus offer.

• 0% purchases cards. These cards are designed to let you spread the cost of forthcoming expenditure, without incurring any interest. Don’t forget that when the introductory 0% period is up, any outstanding balance will revert to the card’s standard rate – normally much higher. Learn more about 0% purchase cards.
• 0% balance transfer cards. If you have an existing interest-carrying balance on another credit card, think about applying for the M&S Transfer Plus offer. A very low balance transfer fee combined with a very competitive period of 0% in interest on any balance you transfer leads to very big savings on your existing interest bill. Learn more about 0% balance transfer cards.
• Rewards cards. You’ll earn points each time you use an M&S credit card, but at a better rate when you use it in M&S. Every three months the points are converted into vouchers and sent to you along with your statement. M&S cards also come with an array of additional benefits. Learn more about rewards cards.

What benefits can I get with an M&S credit card?

• Get rewarded for everyday credit card use. At the time of writing, M&S Bank will give you one M&S point for every £1 you spend at a Marks and Spencer store, and one M&S point for every £5 you spend everywhere else. You’ll receive a £1 Marks and Spencer voucher for every 100 M&S points you collect. Holders of M&S Premium Club membership get triple the standard award on spending in a Marks and Spencer store.
• Easy access to travel money. Do you have travel plans? Your M&S Bank card makes it easy to access foreign currency at your local Marks and Spencer store. M&S Credit Card holders get preferential foreign exchange rates, pay no cash advance fee and receive 55 days of interest-free credit when they purchase foreign currency from M&S Bank.
• Advanced security. M&S Bank implements advanced fraud monitoring and security systems that protect you from unauthorised spending on your credit card account.
• Add an additional cardholder free of charge. You can add anyone over the age of 18 to your M&S credit card account. The additional cardholder can enjoy the same benefits you do, including the ability to earn M&S points on their credit card spend.
• Mobile payments. Every M&S credit card is ready to go with all the common mobile payment technologies, including Apple Pay, Android Pay and Samsung Pay. You can pay for goods and services by simply tapping your phone on any contactless terminal.

How can I apply for an M&S credit card?

1. First, decide which M&S credit card suits you best. The card with the best balance transfer offer has a short promotional period for purchases, while the top purchases card has a shorter balance transfer period.
2. Check that you meet the eligibility criteria. Both M&S cards on offer at the time of writing have long promotional periods so you will likely only be accepted if you have a good credit history. You won’t be able to apply if you’ve held an M&S credit card in the last 12 months.
3. Choose the right card on the M&S website and proceed with the application form. Always complete all the details correctly as this speeds up the application process and makes it less likely that your application will be referred for manual review.
4. Submit your completed application form. You could get an instant reply, or M&S Bank may take a couple of business days to get back to you.

What supporting documents and information will I need?

You will be asked to enter the usual credit application details when applying for an M&S Bank credit card. Make sure you know your full address history for at least three years, including postcodes. You will also need to enter your employment history including income as well as your current account sort code and account number.

What do customers say about M&S Bank?

87% of customers we surveyed in 2026 would recommend M&S Bank to a friend.

It rewards loyal shoppers with an excellent points system that seamlessly converts into M&S vouchers. Customers praise the proactive fraud protection, great customer service, and the ease of managing their accounts online.

While the perks and 0% offers are highly valued, some users note that the standard interest rates are high and miss having physical branches where they can discuss their accounts face-to-face.

AI-generated summary from the text of customer reviews on Finder.

M&S Bank and Finder Awards

Our Finder Awards celebrate brands that truly stand out in their field. M&S Bank was named our 2025 0% Purchase Credit Card Provider of the Year Award winner!

Overview of M&S Bank credit cards

Frequently asked questions

• Do I have to pay a card fee?

  You won’t be charged an annual or monthly credit card fee to keep your M&S Bank credit card. However, you should always meet minimum payment requirements and keep to the terms of your card agreement to avoid any penalty fees.

• Does M&S Bank offer online banking?

  You can manage your M&S credit card and all other M&S Bank accounts online. Instantly check your statement and balances once you’ve followed the simple internet banking registration process.

• What credit limit will M&S Bank award to me when I apply?

  M&S Bank offers generous initial credit limits, but the credit limit on the card will vary depending on your credit profile and the credit you already have available to you. If you manage your credit card account responsibly you may get increases in your credit limit in the future.

• What do I need to do if my credit card is lost or stolen?

  Contact M&S Bank straight away if you know or suspect that you have lost your credit card, or that it may have been stolen. M&S Bank will put a hold on the card to prevent any further transactions from being processed and will send a new card to you in the mail.

• I have an M&S Mastercard credit card, how can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.

Written by

Chris Lilly

Head of publishing

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 502 Finder guides across topics including:

• Loans & credit cards
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