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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.
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?
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.
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.
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.
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.
M&S Bank customer reviews
M&S Bank fared well in our 2024 customer satisfaction survey, with 91% of customers saying they’d recommend the brand to a friend. Several customers commented on the rewards and good, “straightforward” customer service.
One said: “It’s very good because every time you use the card you collect points that can be converted into M&S vouchers.”
Another commented: “This is our main card and it is used for the majoriy of our purchases through the year. The points earned although not vast add some payback for the use.”
Overview of M&S Bank credit cards
Representative APR
From 23.9% to 24.9%
0% balance transfer offer
Up to 27 months
0% purchases offer
Up to 20 months
0% money transfer offer
No money transfer offer available
Cashback with brand
Up to 1%
Cashback elsewhere
Up to 1%
Cash advance
From 29.9%
Introductory bonus offer
No introductory bonus offers available
Frequently asked questions
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.
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.
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.
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.
All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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 598 Finder guides across topics including:
Enjoy the longest introductory purchase 0% deal offered by M&S Bank, and earn M&S points on all your spending. Compare live rates and alternative options.
Enjoy 0% on purchases, balance transfers and M&S perks aplenty with this versatile all-rounder.
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
