It only takes a few minutes to apply for an M&S Credit Card online (representative 15.9% APR variable). Before you start your application, please look at the What you should know before you apply section below.
To apply for an M&S Credit Card you have to be a UK resident aged 18 or over.
A new M&S Credit Card account cannot be opened if you have held a credit card with M&S Money within the previous 12 months.
Before you start your application, you need to read (and agree to) our terms and conditions.
During your application for the M&S Credit Card you will be asked whether you would like to join M&S Premium Club. Membership of M&S Premium Club is just £15 a month for a minimum of 12 months; you should read the Premium Club Terms & Conditions and Travel Insurance policy booklet.
Credit is subject to status. The rate we offer will depend on our assessment of your circumstances.
When we check your details with a credit reference agency, a search/enquiry is registered to say that you've applied for credit today. As part of our checks, we link your name with individuals associated with you financially, and any previous names you've provided.
We'll also check your details with a fraud prevention agency to prevent fraud and money laundering. If you've provided false or inaccurate information (and fraud is identified) we'll pass your details to fraud prevention agencies. If you want, we can explain how your information held by fraud and other credit reference agencies may be used.
If your application is approved, we'll send your PIN first, followed by your M&S Credit Card a few days later. You should receive your new card and PIN within ten days.
