Skip to content
Mastercard0/4 on file
Annual fee not published where we checked
Marks & Spencer (M&S) Bank · Mastercard

M&S Rewards Credit Card

Balance TransferRewardsStore & RetailWelcome Bonus

The M&S Rewards Credit Card is a Mastercard from Marks & Spencer (M&S) Bank. Marks & Spencer (M&S) Bank does not publish its annual fee where we checked (October 2026), so we leave it blank rather than guess. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: welcome offer (Sep 2026). Not yet checked with Marks & Spencer (M&S) Bank: credit requirement. Marks & Spencer (M&S) Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Annual feeNot confirmedNot published by the issuer where we checked ()
Welcome offer4,000 ptsChecked assets.digitalcontent.marksandspencer.app
Apply on Marks & Spencer (M&S) BankCompare this card
Opens Marks & Spencer (M&S) Bank’s site
Ledger entry

The receipt

Every cost line we hold for the M&S Rewards Credit Card, exactly as recorded.

Annual fee
Not confirmedNot published by the issuer where we checked ()
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
FairNot yet checked with Marks & Spencer (M&S) Bank
Sign-up

The welcome offer

We hold the welcome-bonus figures below for the M&S Rewards Credit Card, but not the terms that earn them — Marks & Spencer (M&S) Bank’s own page says what you need to do.

Points4,000Checked assets.digitalcontent.marksandspencer.app
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the M&S Rewards Credit Card. Rather than print a multiplier we cannot source, this stays blank until Marks & Spencer (M&S) Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Earn Rewards points on shopping, converted to M&S vouchers 4 times a year
  • 0% interest on shopping for 9 months from account opening
  • Section 75 purchase protection
  • Balance transfers accepted from most other credit or store cards
Next step

Ready to apply for the M&S Rewards Credit Card?

You'll finish the application on Marks & Spencer (M&S) Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Marks & Spencer (M&S) Bank’s site
Questions

Questions about the M&S Rewards Credit Card

How much is the M&S Rewards Credit Card annual fee?

Marks & Spencer (M&S) Bank does not publish an annual fee for the M&S Rewards Credit Card where we checked (October 2026), so we do not print one. Ask Marks & Spencer (M&S) Bank for the current fee before you apply.

What does the M&S Rewards Credit Card earn?

We could not verify the M&S Rewards Credit Card's earn rates, so we do not print a multiplier. Check them on Marks & Spencer (M&S) Bank's own site.

What network is the M&S Rewards Credit Card on?

The M&S Rewards Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the M&S Rewards Credit Card available in United Kingdom?

Yes — the M&S Rewards Credit Card is issued by Marks & Spencer (M&S) Bank and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.

When were the M&S Rewards Credit Card figures last checked?

We checked its welcome offer in September 2026, against a published document. Not yet checked with Marks & Spencer (M&S) Bank: credit requirement. Not published by Marks & Spencer (M&S) Bank where we checked: annual fee. We could not verify, so we do not print: foreign transaction fee, purchase APR, earn rates and welcome offer. Check them with Marks & Spencer (M&S) Bank. Terms can change without notice, so confirm the current details with Marks & Spencer (M&S) Bank before you apply.