Looking for a way to save money while getting more out of your everyday shopping?
Turn purchases into rewards and get 0% interest for 9 months with the M&S Bank Rewards Credit Card
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The M&S Bank Rewards Credit Card makes your shopping count. Earn 5 points per £1 spent at M&S in the first six months, enjoy 0% interest on purchases and balance transfers for nine months, and pay no annual fee. Points become vouchers every quarter—easy to redeem and use. It's simple, secure, and backed by mobile banking to stay on top of your spending.
The M&S Bank Rewards Credit Card makes your shopping count. Earn 5 points per £1 spent at M&S in the first six months, enjoy 0% interest on purchases and balance transfers for nine months, and pay no annual fee. Points become vouchers every quarter—easy to redeem and use. It's simple, secure, and backed by mobile banking to stay on top of your spending.
A card that turned everyday spending into monthly treats
Just like Sarah, this card could help you shop smarter and save more every month.
Sarah, a working mum from Bristol, used to struggle tracking her expenses. She wanted a card that rewarded her loyalty without added fees.
She found the M&S Bank Rewards Credit Card, which gave her 5x points on groceries at M&S for six months.
Each quarter, she received vouchers—enough for family treats or seasonal gifts, all without changing her habits.
The 0% interest period helped her plan larger purchases without worry, and she always paid on time.
With the mobile app, Sarah kept control of spending, checked her balance, and got reminders—all in one place.
Now, she tells friends it’s not just a credit card—it’s a reward for being organised. It could work for you too.
Have more questions about this card? Use the FAQ section below for answers.
While it doesn’t target credit building directly, responsible use, such as timely repayments, can contribute positively to your credit score over time. Using less than your credit limit and paying your balance in full monthly are habits that build credit reliability. It's essential to manage the card wisely to avoid interest and demonstrate financial responsibility to lenders.
You earn 5 points per £1 at M&S for six months, then 1 point per £1 thereafter. For every £5 spent outside M&S, you earn 1 point, which still contributes to voucher rewards. Points are converted to M&S vouchers quarterly and can be used both in-store and online, offering tangible shopping value.
This card is better suited for people with good to excellent credit and may not approve applicants without history. If you're new to credit, alternatives like the Aqua Classic Card are more appropriate and focus on credit-building features. Soft checks through eligibility tools can help you avoid hard rejections and find better-matched products.
Yes. A 3.49% fee applies on balance transfers made within the first 90 days, with a minimum charge of £5. However, you will enjoy 0% interest on those transfers for nine months, providing short-term financial relief. Always calculate whether the savings on interest outweigh the transfer fee.
M&S sends out reward vouchers up to four times a year, based on your accumulated points during the earning period. These can be delivered by post or accessed through your Sparks account online or via the M&S app. They can be used toward purchases in-store or online, adding real value to everyday shopping.
Missing a payment could result in the loss of your 0% promotional interest rates on purchases or balance transfers. You may also incur late fees and negatively impact your credit score, affecting future borrowing eligibility. Always aim to pay at least the minimum payment on time to keep your account in good standing.
Yes, the M&S Bank Rewards Credit Card is a strong credit card with rewards, especially for those who frequently shop at M&S. You earn points on every eligible purchase, which are converted into vouchers. These can be used in-store or online for added savings.
Absolutely. This is one of the credit card offers 0 interest for nine months on purchases and balance transfers. To maintain these rates, ensure minimum payments are made on time during the promotional period to avoid penalties.
While the M&S card is great for rewards, it’s not the best credit card for no credit history. If you're starting out or rebuilding, a credit card for improving credit score like the Aqua Classic is more suitable. It offers supportive tools and soft eligibility checks, helping users establish credit without added fees.
Finally, the M&S Bank Rewards Credit Card is an excellent option for those who shop frequently at M&S and want to convert purchases into real savings.
With no annual fee and valuable features like interest-free periods and regular vouchers, it’s ideal for responsible spenders seeking added value.
For accurate and current information, visit the official M&S Bank website before applying. Terms and conditions may change.
Use the eligibility checker on the site—it won’t affect your credit score and can confirm if you’re likely to be accepted.
Credit Card
M&S Bank Rewards Credit Card
rewards£0 annual fee
Apply with no pressure! M&S Bank’s eligibility checker won’t impact your credit score.
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