M&S Rewards Credit Card
M&S Bank · MASTERCARD
The M&S Rewards Credit Card is a credit card from M&S Bank on the MASTERCARD network. It has an annual fee of £0. The welcome offer is Put a cherry on top with £40. Earn £40 in M&S vouchers with the M&S Rewards Credit Card. Just spend £150 across 2+ transactions at M&S in your first 3 months.
Key facts
- Annual fee
- £0
- Purchase APR
- 23.9% p.a. (variable)
- Intro APR
- 0% interest on shopping for 9 months from account opening
- Network
- MASTERCARD
- Welcome offer
- Put a cherry on top with £40. Earn £40 in M&S vouchers with the M&S Rewards Credit Card. Just spend £150 across 2+ transactions at M&S in your first 3 months.
Benefits and perks
- Access your Rewards in Sparks through the M&S app. Access Rewards vouchers and track your points online or in the M&S app
- Choose how to pay your credit card. Set up a Direct Debit
- Add an additional cardholder. Both earn Rewards points on all your shopping (cardholders must be 18+)
- No cash advance fee for M&S Travel Money. When you use your M&S Credit Card
- Securely manage your credit card anytime. Use Internet Banking and the M&S Banking App
- Help and support when you need it. Access help and support 24/7 with our virtual assistant or call our call centre
- 0% interest on shopping for 9 months from account opening
- 0% interest on balance transfers for 9 months. For transfers made within 90 days of account opening (3.49% fee, min £5)
- Up to 55 days interest-free credit. When you pay your balance in full and on time each month
- Earn 1 point per £1 spent each time you shop at M&S and 1 point per £5 spent elsewhere
- 0% interest on balance transfers for 9 months (3.49% fee applies, minimum £5)
Questions about the M&S Rewards Credit Card
What is the annual fee on the M&S Rewards Credit Card?
The M&S Rewards Credit Card has an annual fee of £0.
Is the M&S Rewards Credit Card worth it?
The M&S Rewards Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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Approval and real earn reports from cardholders are coming to this page soon.
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