It's always worthwhile checking your eligibility before applying for credit, as multiple applications can make your credit score worse.
Check now to see your likelihood of being accepted and which offer we can give you.
The rate and promotional period we offer will depend on our assessment of your circumstances.
We may offer you:
The balance transfer fee will remain at 3.49%, min £5.
Use our online application to apply now
Stay in control with our mobile banking app.
The M&S Banking App allows you to manage your M&S Credit Card in the palm of your hand. View your credit card PIN, securely confirm online payments and receive notifications when you spend. Please note device restrictions apply.
Earn rewards points every time you shop and they'll be converted into M&S vouchers for you to spend. We'll give you 1 rewards point per £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers. See how your rewards points could add up.
With the M&S Credit Card, you'll receive up to 55 days' interest-free credit when you pay your balance in full and on time each month.
You can add an additional cardholder over the age of 18 to your account, so you can both enjoy the same card benefits and earn M&S points on all your shopping.
Manage and monitor your card anytime through Internet Banking and the M&S Banking App.
Our security systems mean you can use your M&S Credit Card with confidence whenever and wherever you shop.
You can also register for Sparks to benefit from personalised offers, a charity donation with every purchase and more when you shop at M&S.
With the M&S you'll pay no interest for months on balance transfers made within 90 days of account opening (a fee applies – % of the amount transferred, min £5). Fill out the following input boxes to see how much you could save:
Don't forget to make at least your minimum payments on time to keep your promotional rates on balance transfers and purchases and save on interest.
Please enter a higher amount. The minimum repayment is 2.5% of your balance, or £5, whichever is highest.
You could save £-- by switching to M&S
Based on the figures entered, your balance would be paid off in -- months. This saving is based on months being interest free and after that the standard variable rate of % has been assumed.
The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S . You should ensure that the data you enter is accurate. The saving is based on the assumption that you will continue to make the fixed monthly payments and that you don’t use the credit card for purchases, cash or other transactions. The balance transfer calculator doesn’t take into account your financial position (for example, if you have other cards with balances that you do not intend to transfer). A P R APR is variable. Savings based on % transfer fee.
