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Up to 55 days' interest-free credit when purchasing with an M&S Credit Card See footnote ** ** Representative example: based on an assumed credit limit of £1,200, our 24.9% rate per annum (variable) for purchases gives a representative rate of 24.9% APR (variable).
The rate and promotional period we offer will depend on our assessment of your circumstances. We may offer you: 0% for 26 months on balance transfers with 24.9% APR. 0% for 20 months on balance transfers with 27.9% APR. 0% for 20 months on balance transfers with 29.9% APR. The balance transfer fee will remain at 3.49%, min £5.
You can send money via bank transfer to your M&S Credit Card by setting up a new payee with your existing current account. You should quote our bank details, sort code 40-12-57 and account number 59001115 , with your full 16-digit M&S Credit Card number as a reference.
First consider what you want to use the credit card for – cards come with different features that are useful for different purposes. If you have a large purchase coming up, you might want to spread the cost with a 0% purchase card, if you fly a lot you might want an airmiles card, and if you want to transfer a balance to avoid interest payments, a balance transfer card could be ideal.
100 points = £1 back to spend in M&S. You can use your M&S Rewards Vouchers in store or online. What you use them for is up to you! 200 points = £2. 1,500 points = £15. 3,000 points = £30. M&S Credit Card rewards are in addition to the benefits you receive with M&S Sparks.
Credit is provided subject to status by Marks & Spencer Financial Services plc to UK residents aged 18 or over. M&S Travel Money is not regulated by the FCA. *Get up to 76 days interest free on your first order when you pay your balance in full, and up to 45 days for later transactions.
Learn how to manage your M&S Bank credit card online, from activating your card to reporting fraud or stolen cards. Get support and information here.
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