M&S Bank credit cards

M&S Bank offers the M&S Credit Card, personal loans, savings and investments products, and a range of different insurance services.

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M&S Credit Card
2014 award winner 0% Purchase Reward

M&S Credit Card

  • 19 months 0% on purchases
  • 15 months 0% on balance transfers (2.9% fee) (min £5)
  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore; 0.5 M&S point per £1 spent outside of store
more info
18.9% APR
Representative (variable)
15 months
0% interest on transfers
2.9 %
transfer fee
19 months
0% interest on purchases
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

M&S Bank credit cards

Marks and Spencer are one of the most famous retail outlets in the United Kingdom. From humble beginnings on a market stall in Leeds, West Yorkshire, they have become an iconic brand worldwide.

M & S are no longer just a retail concern, they also provide a full range of financial services through the auspices of the M & S Bank.Customers from across the United Kingdom can manage their banking online, as well as carry out banking in branches at select stores nationwide.

The credit card offered by the bank is one of their most popular products, as not only can it be used globally, it also provides rewards for Marks and Spencer customers.

The retail arm of the company dates back to 1884, but St Michael Financial Services launched in 1985, with a charge card available to its customers.

Over the years M&S unveiled personal loans, ISAs, insurance and pensions. As further products and services were added to their portfolio, they changed their name to Marks and Spencer Financial Services Limited, and then later to M & S Money, which in turn launched the M & S Bank that provides credit card products.

The first M&S credit card was launched in 2003.The credit limit provided to successful applicants is dependent upon the credit score and other information supplied throughout the application process.

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