FANCY A
£30 M&S E-GIFT CARD*?
Simply take out and use the
M&S CREDIT CARD REWARDS OFFER
*£100 minimum spend across 3 or more qualifying purchases in the first 90 days, find out more . Offer ends 2 August 2022.
19.9% APR Representative (variable)
Credit is subject to status. M&S plc acts as a credit broker and not a lender.
Apply now
COLLECT
REWARDS POINTS
EVERY TIME YOU SHOP
with the M&S CREDIT CARD REWARDS OFFER
19.9% APR Representative (variable)
Credit is subject to status. M&S plc acts as a credit broker and not a lender.
Apply now
EVEN MORE
BENEFITS AWAIT
WITH M&S CLUB REWARDS
JOIN OUR CLUB
19.9% APR Representative (variable)
Credit is subject to status. M&S plc acts as a credit broker and not a lender.
Apply now
Collect Rewards Points every time you shop with the M&S Credit Card Rewards Offer
HOW YOUR REWARDS ADD UP
1X REWARDS POINT
for every £1 spent at M&S and for every £5 spent elsewhere
2X REWARDS POINTS**
for every £1 spent at M&S for the first 12 months
0% INTEREST
on your shopping for the first 12 months
ZERO INTEREST
on balance transfers for the first 12 months (2.9% fee applies, minimum £5)
REPRESENTATIVE EXAMPLE
Purchase rate 19.9% p.a. (variable)
Representative 19.9% APR (variable)
Based on a £1,200 credit limit
HOW MANY REWARDS POINTS COULD YOU EARN
IN YOUR FIRST YEAR?
With every purchase you earn Rewards Points which turn into M&S vouchers for you to spend on the things you love.
Monthly spend amount
Monthly points received
M&S Spend
2x Rewards Points for the first 12 months only. Following this as an M&S Credit Card customer, you earn 1 Rewards Point for every £1 spent in M&S
Monthly spend amount
Monthly points received
External Spend
1 Rewards Point for every £5
Monthly spend amount
Monthly points received
Annual Amount
Annual Amount
As a Club Rewards member
you'd earn 4 Rewards Points per £1 for the first 12 months only, thereafter 3 Rewards Points per £1 spent in M&S
M&S Rewards Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges,
M&S Travel Money, foreign currency or M&S Rewards Vouchers.
EVEN MORE BENEFITS AWAIT
WITH M&S CLUB REWARDS^
Make your M&S Credit Card Rewards Offer even more rewarding by joining Club Rewards. Enjoy benefits worth an average of £240 a year, for just £10 per month.
Club Rewards is available on all M&S Credit Cards^
Exclusive Benefits only
with Club Rewards
NEXT DAY DELIVERY AT NO EXTRA COST 1
On full-price Clothing, Home and Beauty purchases at M&S online
32 HOT DRINKS VOUCHERS A YEAR
Get vouchers to spend at M&S Cafe, saving you an average of £88 a year
£65 IN M&S
VOUCHERS
We'll send you one £20 M&S voucher and three £15 M&S vouchers a year
2 EXTRA REWARDS POINTS**
per £1 spent at M&S.
EXTRA REWARDS POINTS ABROAD 2
3 points for every £1 spent abroad in local currency (fees apply)
A REWARD ON YOUR BIRTHDAY
Enjoy a voucher from us to spend at M&S
M&S Club Rewards membership is provided subject to T&Cs by Marks and Spencer Financial Services plc.
If your application is accepted, we'll send temporary card details to you via email. We'll send your M&S Credit Card in the post but in the meantime, you'll be able to spend up to £500 online at marksandspencer.com or in any M&S store.
The temporary card details we'll send you:
- Can be used to spend up to £500 at marksandspencer.com or in any M&S store (but you won't be able to use them anywhere else). If you're using them in store, you'll need a secondary form of ID and the email including your temporary card number
- Can be used for 5 days including the day you open your account
- Can't be used to purchase M&S gift cards
Any amount you spend using your temporary card details will appear on your first statement.
When your new M&S Credit Card arrives in the post, you'll be able to use it elsewhere (including in store and at other retailers), up to your credit limit.
Terms & Conditions
Marks and Spencer plc, Waterside House, 35 North Wharf Road, London W2 1NW acts as a credit broker and not a lender. Authorised and regulated by the Financial Conduct Authority (Register no. 718711). Credit is provided subject to status by Marks & Spencer Financial Services plc to UK residents aged 18 or over.
*£30 M&S e-gift card offer: Card account must be opened and three or more qualifying purchases to the total value of at least £100 to be made using your card in the first 90 days to earn a £30 M&S e-gift card. E-gift cards will be received within 45 days of this spend, via the email you provided on application. Qualifying purchases exclude foreign currency and other cash related payments, and M&S gift cards/ vouchers. Available only to new customers who haven't held an M&S Credit Card within the last 12 months and apply in store via a QR code or online via a promotional banner promoting the M&S Credit Card Rewards offer; not available in conjunction with any other introductory voucher or discount offer. Offer ends 2 August 2022. View full T&C's
**As an M&S Credit Card customer, you earn one Rewards Point for every £1 spent in M&S (two Rewards Points per £1 if you are an M&S Credit Card Rewards offer customer within your 12-month introductory period). With M&S Club Rewards, you'll earn an extra two Rewards Points per £1 spent in M&S (a total of three Rewards Points per £1, or four if you're a Rewards offer customer still within your introductory period). M&S Rewards Points can't be earned on purchases of foreign currency (including M&S Travel Money), or M&S gift cards or vouchers.
^Club Rewards is available on all M&S Credit Cards. M&S Club Rewards is a package of benefits exclusively available to M&S Credit Card customers. M&S Credit Cards and Club Rewards membership are provided subject to T&Cs by Marks & Spencer Financial Services plc, Chester CH99 9FB.
1For purchases made online at marksandspencer.com you will be eligible for next day delivery at no extra cost. This will not apply to food, hampers, wine, flowers, furniture and items described as on sale. You need to have a marksandspencer.com account, set up in your name, to enjoy this benefit. Your account will usually be updated to include next day delivery within 6 working days of you opening both Club Rewards and your marksandspencer.com account. Only available to the main Club Rewards member. Your Club Rewards welcome pack will include two one-time promotion codes to use until the benefit is applied to your account. Once set up, each time you order online simply select next/nominated day delivery at checkout, and we'll automatically deduct the cost of delivery when you pay. Subject to availability and Marks and Spencer next day delivery terms and conditions. Visit marksandspencer.com/c/help/delivery for more information. Some locations may be excluded and delivery slots may be limited.
2When using the card abroad a fee of 2.99% of the transaction amount in Sterling will apply to any purchase made in a foreign currency.
