Credit Cards details

Your chosen card

To apply for this card

Go to the M&S website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

The basics

  • Representative APR 18.9%(variable)
  • Payment Network MasterCard
  • Balance transfer fee 2.9% or £5, whichever is greater
  • Balance must be transferred within 90 days

Card features

Great for
Earn M&S points when you shop
You'll receive a bonus voucher for 500 M&S points, worth £5, to be redeemed when you make a purchase on food, clothing or homeware at M&S, T&Cs apply
But be aware that
You might get a different interest rate to the one shown here because this depends on your circumstances
You must transfer a balance within the first 90 days to get the promotional offer
You're not eligible if you've had an M&S Bank credit card in the last 12 months

Is this card right for you?

To take this card you

  • Must be aged 18 years or over
  • Must be a UK resident
  • Must not have held a credit card with M&S Bank within the previous 12 months

Introductory interest rates

Rate Duration
Purchases 0% 25 months
Cash advances - -
Balance transfers 0% 25 months
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.456% 18.9%
Cash advances 1.805% 23.9%
Balance transfers 1.456% 18.9%
Cheque advances - -
Money transfers - -
Price for risk Yes


Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 2.99%
Foreign exchange non-EU 2.99%
Return payment £12
Copies of statements £5
Handling fee Min fee Max fee
Cash advances 2.99% £3 -
Cheque advances - - -
Balance transfers 2.9% £5 -
Money transfers - - -

Repayment details

  • Interest free period - 55 days
  • Your monthly minimum payment will be the greater of:
    • 2.5% of the outstanding balance on your statement (minimum £5)
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:
    If the amount you pay in a month is less than the full amount you owe, M&S will apply the amount you pay in the following order:
      any unpaid arrears or amounts over the credit limit
      the amount you owe us and shown in your statement
      any transactions, interest or charges not yet included in a statement
    M&S will apply your payment first to amounts on your account which they charge at the highest interest rate followed by amounts M&S charged at lower rates. In each case, interest and charges are paid off first. If some amounts are charged at the same interest rate, M&S will apply your payment to the oldest amounts first.

    Refer to provider for further details.

Credit limit

Minimum credit limit £500
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards Shopping

How your promotional rates will change

  • After 25 months, the rate on Balance Transfers will go from 0% to 18.9%.
  • After 25 months, the rate on Purchases will go from 0% to 18.9%.

Fees to be aware of

  • For a balance transfer, you'll be charged 2.9% of the balance you're transferring. There is a minimum charge of £5.

About M&S

Marks & Spencer is one of several high-street retailers that have moved into the money market with a range of financial services. So you can now pick up an ISA along with your underwear. It all started back in 1985 with the launch of the M&S charge card. Over the past 25 years, M&S Money has expanded and now offers a broad range of products from personal loans, to ISAs, to pet insurance.

To apply for this card

Go to the M&S website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.


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