Your interest rate, promotional period and credit limit may vary depending on your individual circumstances.
0% Interest on balance transfers for 9 months
0% for 9 months on balance transfers made within 90 days of account opening (3.49% fee, min £5)*
Representative example
23.9% Purchase rate p.a (variable)
23.9% APR Representative (variable)
£1,200 Assumed credit limit
M&S Rewards Credit Card
Earn M&S Rewards points and spread the cost of your purchases**
Benefits of an M&S Rewards Credit Card
Earn M&S vouchers
Earn Rewards points every time you shop, and they'll be converted into M&S vouchers for you to spend**. For the first six months, we'll give you 5 Rewards points per £1 spent at M&S. After this, it will return to the standard 1 point per £1 purchase at M&S
0% Interest on purchases for 9 months
You can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.
* Our credit card balance transfer offers have a 3.49% fee, minimum £5. Terms and conditions apply. 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. We accept balance transfers from most credit or store cards held with other lenders.
** Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency, or M&S Rewards vouchers.
