Credit Card FAQs

You can apply by completing our online application form, apply now. Alternatively you can call us on 0800 997 996 or visit any of our stores to pick up an application form.

Yes, you can apply for an additional card for your spouse or partner living at the same address as you and you will earn M&S points for all their transactions.

Your M&S Credit Card is welcomed in over 24 million outlets worldwide. Wherever you see the MasterCard sign.

You earn 1 point for every £1 spent at Marks & Spencer and 1 point for every £2 spent elsewhere. Points cannot be earned on cash advances, balance transfers, interest charges, Marks & Spencer Travel Money, foreign exchange purchases or other items we decide not to include in the programme at our absolute discretion. Where instant credit is granted, points will be accrued on the initial purchase. In normal circumstances, cards will be delivered within seven to ten days, if your application is accepted. Read more about M&S Rewards.

Don’t forget - if you have an M&S Credit Card you can join M&S Premium Club and earn triple points on your spend at M&S, that’s three points for every £1 you spend – all for just £10 a month for an initial 12 month period.

If you are an M&S Premium Club member, you will receive three points for every £1 you spend in M&S. Triple points do not apply to bonus points offers or promotional points offers on M&S Money products which you may receive from time to time.

Four times a year, we'll automatically convert your points into M&S Reward Vouchers which we will send to you. You can then use your vouchers as full or part payment for anything you want at your M&S, from food to fashion or save them towards larger items like camera equipment. Your vouchers are valid for up to 15 months.

Yes. From time to time we will mail our M&S Credit Cardholders exclusive bonus points offers.

Read about M&S Rewards to find out how to earn bonus points.

Yes you can, your M&S Credit Card is welcomed at more than 24 million outlets and at over 850,000 cash machines worldwide - just look for the MasterCard logo. Plus you can earn 1 M&S point for every £2 you spend on purchases whilst abroad (not applicable to cash transactions).

Please note that a foreign currency exchange charge of 2.99% will apply. This charge is applied when you use your card overseas or on a foreign website as we have to arrange for the money you spend or withdraw to be converted into Sterling, like most card providers.

You can take advantage of a special promotional rate of 0% interest on all your purchases for 10 months from account opening - reverting to our standard rate, currently 15.9% APR typical.

You can transfer the balance from any existing storecard or credit card held with another provider within 6 months of account opening and get 0% interest for 6 months from the date of the transfer (2.9% fee, minimum £5). Typical 15.9% APR variable. Minimum balance transfer amount is £100.

To transfer a balance onto your M&S Credit Card please complete the form in your welcome pack or call our 24 hour line 0845 900 0900. Calls are recorded. Requests for a balance transfer received by us after 8pm will be treated as if they were received the next working day. It can take up to 3 working days, from the day of receipt by M&S Money, for the money to reach your other credit card provider. Written requests can take up to 4 working days.

After any introductory period, maximum 55 days for purchases when you pay your balance in full and on time every month. There is no interest free period for Cash Advances or Balance Transfers except for during any introductory period for Balance Transfers.

If you have Card Safe call us on 0800 633 5817. Otherwise, please call us immediately on 0845 900 0900.

Optional M&S Card Safe insurance offers 24-hour worldwide assistance, one call to cancel all your cards, up to £100,000 against card fraud once you’ve told us your cards are missing and up to £5,000 before you tell us. You need to contact us within 24 hours of discovering the loss.

Should you have any other questions you can call our Customer Service line on 0845 900 0900. We are available 24 hours a day, 7 days a week. Alternatively you can complete our online Product Enquiry form.

Take a look at the Dealing with Debt (pdf) leaflet from the British Bankers' Association to find out how your bank can help.

To join M&S Premium Club you must be an M&S Credit Card holder. If you don’t already have an M&S Card you can apply online and you will be asked if you would like to join M&S Premium Club as part of the online card application.

If you already have an M&S Credit Card then you can join M&S Premium Club online today.

Premium Club costs just £10 per month for an initial 12 month period. Worldwide Multi-trip Family Travel Insurance is only available to those under 80 years of age.