Marks & Spencer Credit Cards

One of the most popular products offered by M&S Bank is its credit card, which allows you to buy now and pay later for your shopping – without paying interest.  It also offers rewards which can be redeemed in store. The credit card is not just valid in M&S stores though.  As it carries the MasterCard logo, it's also accepted in millions of outlets all over the world.

Compare Marks & Spencer credit cards - Sorted by APR

  1. Exclusive

    Receive a £25 gift card to spend at M&S when you successfully apply. You cannot apply for this offer anywhere else. Conditions apply, see T&Cs. Ends 30th September

    Great for
    Receiving £5 worth of M&S points (T&Cs apply)
    Earning M&S points when you shop
    Preferential rates on M&S Travel Money and no cash advance fee
    But be aware that
    The APR is dependent on your personal circumstances
    You cannot apply if you have held a Credit Card with M&S bank within the previous 12 months
    The promotional BT period applies to transfers made in the first 90 days of account opening

    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).

Guide to M&S credit cards

M&S credit cards are designed for purchases and balance transfers, and also reward shoppers, offering points when you shop in-store or elsewhere. 

M&S converts the points into rewards in the form of vouchers that you can spend in an M&S store. Another perk of M&S credit cards is that there is no cash advance fee if you use them to buy M&S Travel Money. The cards also give you access to preferential rates on selected M&S Bank products.

M&S credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA)

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. 

This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

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
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
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.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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