Chargecard – More Info

Treat yourself with M&S rewards

You get 1 M&S point for every £1 you spend on your M&S Chargecard. Reward vouchers are issued 4 times a year, and you can use them to treat yourself to anything instore.

Instore and online

You can use your M&S Chargecard in any M&S store, and when you're shopping at Your M&S online.

55 days interest free

You get up to 55 days to pay the balance on your M&S Chargecard without interest being added – as long as you pay it in full and on time each month.

No annual fee – and typical 23.9% APR (variable)

If you choose not to pay your M&S Chargecard balance in full each month, interest is charged on the outstanding balance at a competitive typical 23.9% APR variable.

Travel Money

There's no cash advance or foreign exchange fees when you use your M&S Chargecard to buy foreign currency or travellers cheques at an M&S Bureau de Change. You also get up to 55 days interest free, just like other card purchases.

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