Approval for any credit card will depend on your status. The APR shown represents 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.
M&S offers a straight forward 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.
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.
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
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
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
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.
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.
M&S Bank implements advanced fraud monitoring and security systems that protect you from unauthorised spending on your credit card account.
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.
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.
I’ve never had any problems with M&S Bank. When I use my M&S card I get loyalty points towards an M&S voucher. Some points were initially missed but credited later.”
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.
A generous mix of benefits with Marks and Spencer as well as top balance transfer and purchases offers make M&S Bank credit cards an excellent choice.
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