3 Great Reason to Get the M&S Reward Plus Credit Card


If you want a credit card that gives you big rewards, the M&S Reward Plus Credit Card might just have the answers. This rewards program with this card allows cardholders to earn points with nearly every purchase they make. This card also offers great promotional interest rate options, making it an option you should keep high on your list.

When choosing a card it is important to find one that meets your lifestyle. If you know you can pay on point and just want to be rewarded for your spending then you might not care so much about the interest rate. On the other hand if you’re on a tight budget and can see yourself paying late than the interest rate and late fees will be a big factor in your decision.


We’re going to tell you more about the M&S Reward Plus Credit Card which is great for those looking to be rewarded for spending. You can get points with almost everything you purchase. And those points can be redeemed for some great rewards.


How to Get an M&S Reward Plus Credit Card


What are the Benefit’s of the M&S Reward Plus Credit Card?

1. A Great Rewards Program 

The M&S Reward Plus Credit Card makes your transactions more worthwhile by rewarding you for every M&S shopping transaction you make. With this offer, you can earn 2 points per £1 you spend in M&S (first year only) and 1 point per £1 after that. You’ll also earn 1 point per £5 spent anywhere.

What’s better is that you can take advantage of introductory promotions offered by the bank. You can also get 2,000 bonus points (worth £20) when you transact using your card within the first 90 days.

2. Great Introductory Rates 

Aside from reward points, the bank’s introductory offers also allow you to shop without any interest for 6 months. You can even make balance transfers for 0% interest. Just keep in mind that a balance transfer fee of 2.9% (£5 minimum) applies. In addition, only balance transfers completed within 90 days of opening the account qualify for 0% interest.

3. Great Savings on Fees

You can reap all of the rewards of the M&S Reward Plus Credit Card without paying the cost. That’s right, there is no annual fee associated with this card. Considering some cards have annual fees that range anywhere from £95-£295, this is substantial savings year after year. Also, the late payment fee is just a mere £12. We all forget due dates sometimes, but with this card, you don’t want to worry about heavy charges.

What are the Fees of the M&S Reward Plus Credit Card

  • Annual fee – none
  • Purchase interest rate – 19.9% APR variable
  • Balance transfer rate – 0% for 6 months, 19.9% after that
  • Cash advance fee – 2.99% of the cash advance and any other cash-related payment with a minimum of £3
  • Late payment fee – £12
  • Non-sterling foreign fee – 2.99% of the amount of the sterling transaction value, 2.99% of the cash advance (minimum £3)

How to Apply for the M&S Rewards Plus Credit Card

If you are interested in getting an M&S Rewards Plus Credit Card, it is important that you satisfy the eligibility criteria, which includes being more than 18 years old and a UK resident. Moreover, you should be willing to submit to a credit register search and a credit score evaluation. Keep in mind that you are not eligible for this offer if you have had any M&S credit card in the past year.

To make sure that your application goes as smoothly as possible, make sure that you have pertinent documents on-hand. This includes recent payslips, your latest bank statement, proof of identity, and proof of residence. The bank may require you to give other personal, employment, financial, and contact details as well.

Start your application by visiting the M&S website. You can be done in 7 minutes! If this option is not ideal, you can also visit an M&S branch near you.

The minimum credit limit is £500. However, remember that the bank will assign a manageable amount based on your employment, financial, and credit information.

How to Contact M&S Reward Plus  Credit Card

Head Office

Waterside House,

35 N Wharf Rd, Paddington,

London W2 1NW, United Kingdom

Telephone: 0800 997 996

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions document for more information.