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M&S credit cards

Thinking of taking out a M&S credit card? Read our guide on which kinds of credit cards they offer.

Thinking of taking out a M&S credit card? Read our guide on which kinds of credit cards they offer.

Who is M&S?

M&S is a British retailer with more than 400 stores across the country, selling a range of goods including homeware, clothes and food.

M&S Financial Services first launched in April 1985 with the M&S Chargecard. Today, M&S Bank – which launched in 2012 and is a joint venture with HSBC – offers a wide range of financial products including credit cards, loans, insurance and travel money.

Which is the best M&S credit card for me?

M&S offers two credit cards – a rewards card and a balance transfer card. Whether an M&S card is right for you will depend on your individual circumstances and what you want to use a credit card for.

M&S Purchase Plus credit card

Spread the cost of your purchases and earn points every time you shop, which are converted into M&S vouchers.

  • 0% Interest on purchases for up to 20 months
  • 0% Interest on balance transfers for up to 12 months on balance transfers made within 90 days of account opening (3.49% fee applies, minimum £5).
  • Earn reward points every time you shop.

The representative APR (variable) for a M&S Purchase Plus card was 24.9% in April 2024. The rate you’re offered will depend on your financial situation, how much you want to borrow and your credit history.

M&S Transfer Plus credit card 

Transfer your balance from another provider to M&S Bank. 

  • 0% interest on balance transfers for up to 26 months (3.49% fee applies, minimum £5).
  • 0% interest on purchases for three months.
  • Earn reward points every time you shop.

The representative APR (variable) for a M&S balance transfer card was 24.9% in April 2024. The rate you’re offered will depend on your financial situation, how much you want to borrow and your credit history.

Why choose M&S?

M&S credit cards offer reward points with every purchase. And you can manage and monitor your card through the M&S mobile banking app.

Eligibility

To apply for a M&S Credit Card you must:

  • Be over 18 years old and live in the UK
  • Have an annual income/pension of at least £6,800
  • Not be registered as bankrupt, have any County Court Judgments or defaults within the last six months 
  • Be up to date on any current credit agreements
  • Not have an M&S Credit Card already in your name and have not been declined for an M&S Credit Card within the last 30 days
  • Be happy for M&S to undertake a credit search and credit scoring.

Are there any charges?

M&S credit card charges include:

  • Late payment fee: £12 
  • Exceeding the credit limit: £12 
  • Returned payment fee: £5
  • Cash advance fee: 2.99% of the transaction (minimum £3)
  • Non-sterling transaction fee: 2.99% of the transaction in sterling.

Why compare credit cards with Compare the Market?

Compare credit cards from 17 providers [1]

Check your eligibility for credit cards in just 4 minutes [1]

Check eligibility without impacting your credit score

[1] Correct as of March 2024.

Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

How well is M&S reviewed on Trustpilot?

In April 2024, M&S was rated 1.6 on Trustpilot.

See the current Trustpilot rating for M&S.

Frequently asked questions

How long does it take to get an M&S credit card?

Once you’ve applied for your card online, it should arrive in the post in three to five working days.

Can I get an M&S credit card with bad credit?

You might not be able to get a M&S credit card if you have a history of bad credit. In this situation, credit cards aimed specifically at people with bad credit might be a better option.

How to contact M&S?

For customer service, call 0345 600 5860. Lines are open 8am-8pm.

If you're already registered for M&S digital banking, you can use the 'chat with us' service. This is available through the M&S banking app or internet banking, and is available 24 hours a day, seven days a week.

How do I apply for a M&S credit card?

You can apply for a M&S credit card online, but before you do it’s a good idea to check which credit cards you’re eligible for. You can do this using our credit card eligibility checker. It’s quick and easy, and it won’t affect your credit score.