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Treat yourself with our Reward scheme

You get 1 point for every £1 you spend in M&S. And 1 point for every £2 you spend elsewhere. Points quickly mount up – and you can treat yourself to anything you like instore.

0% on shopping

Shop where you want, for whatever you want, and you won't pay a penny of interest for the first 10 months.

0% on balance transfers

If you've got outstanding balances on other credit cards, you could save money by transferring them to your M&S Credit Card within 6 months of account opening. The transfer fee is only 2.9% (minimum £5) and the minimum balance transfer amount is £100. Try our Balance Transfer Calculator.

55 days interest free credit

You could get up to 55 days interest free credit – as long as you pay your balance in full and on time each month.

Exclusive travel discounts

As an M&S Credit Cardholder, you get access to our exclusive Travel Club. This makes booking holidays easier and cheaper, as you can save up to 8% off thousands of holidays.

No hassle travel money

Buy M&S Travel Money on your M&S Credit Card and there are no cash advance or foreign exchange fees – plus you get up to 55 days interest free, just like other card purchases. Order online to have your commission-free currency delivered to your door.

Manage your account online

You could save time (and paper) by checking your credit card statements and paying your bill online. It's free, easy and secure. And you can do it whenever and wherever you want. See My Money Accounts for more information.

Peace of mind – guaranteed

We don't want anyone taking advantage of your credit card, so we use advanced fraud detection systems to monitor it and help to protect you if your card is lost or stolen.

M&S Premium Club

M&S Credit cardholders can choose to join our exclusive M&S Premium Club and take advantage of worldwide multi-trip family Travel Insurance and indulge in masses of treats and delights (Premium Club Travel Insurance only available to customers under the age of 80). You'll also earn triple points on all your M&S shopping instore and online, exclusive special treatment and M&S Café drinks vouchers up to a value of £120, plus more gifts, treats and delights all year round – all for just £10 a month, for an initial 12 months.

Apply now