How to Get an M&S Shopping Plus Credit Card


Are you interested in getting a credit card that gives you rewards points with every purchase? Do you want a rewarding credit card that offers bonus points and competitive rates in the industry? Lastly, do you often shop at Marks & Spencer stores?

If you said yes to all of those questions, the M&S Shopping Plus Credit Card may be the perfect choice for you! This card can provide you with all of those privileges and more.


Interested in knowing how you can get this credit card? Keep reading to find out more about what exactly the M&S Shopping Plus Credit Card has to offer and how you can apply for one today.

How to Get an M&S Shopping Plus Credit Card

Benefits and Features of an M&S Shopping Plus Credit Card

The M&S Shopping Plus Credit Card is geared towards people who prefer to shop at Marks & Spencer establishments. Most importantly, cardholders will get the chance to gain points each time they shop or purchase any item. For every £1 spent in Marks & Spencer, you will get 1 point. For every £5 spent elsewhere, you will also earn 1 point.


As part of their bonus offerings, you can also get a voucher for 500 M&S points worth £5, provided you shop at M&S for clothing, food, and home needs.

Powered by Mastercard, one of the highlights of this credit card is the ability to use the card at more than 43 million outlets worldwide. Besides this convenience and accessibility, you can take advantage of 0% interest on purchases and balance transfers valid for 20 months. Balance transfers made within 90 days of account opening are eligible for this deal (2.9% fee applies, minimum £5).

Another inviting feature of this credit card is its advanced fraud detection systems, allowing you to shop without having to worry about compromising your personal and financial information. Through this, you can easily manage and monitor your account online.

Is This Card Right For You?

There are two key advantages to having this card. First, if you would like to complete a balance transfer, this is a great card for you. With 0% interest for the first 20-months on balance transfer completed within 90 days of opening an account, the saving could be big, Additionally, there is an ultra-handy balance transfer calculator on the M&S website that will help you see just how much you could save with this card.

This card is also great for those who regularly spend money at Marks & Spencer stores. With the ability to earn 1 point per £1 spent an M&S store, cardholders can easily rack up an abundance of points. With this card, you can earn just by continuing your regular shopping habits. 

Of course, as noted above, there are several other worthwhile benefits of the M&S Shopping Plus Credit Card. However, if you meet the characteristics above, you could benefit greatly from this card.

Eligibility and Application

To be eligible, you must at least be 18 years old and you must also be a resident of the United Kingdom. Other eligibility requirements also include submitting to a credit register search and credit scoring assessment.

Applying for an M&S Shopping Plus Credit Card can be done through the M&S Bank website. The application process can take a little as 7 minutes.  To apply, you will need to provide your current place of residence, employment history, income, and email address. As an applicant, providing your bank or building society account number and sort code will also be required. In addition, you will also be asked to disclose your last 3 years’ address history.

Should your application be approved, the bank will provide a minimum credit limit of £500. This amount can depend on your credit score.

M&S Shopping Plus Credit Card Details

  • Annual Fee – £0
  • Interest Rate (variable) – 1.527% per month or 19.9% per year
  • Balance Transfer Rate – 0% for the first 20 months, 19.9% annual after that
  • Cash Advance Fee – 2.99% of the cash advance or cash related payment transaction, minimum of £3
  • Foreign Usage Fee – 2.99%, minimum £3
  • Late Payment Fee – £12
  • Over Limit Fee – £12


Overall, the M&S Shopping Plus Credit Card is best for individuals who appreciate getting rewards points with every purchase. To keep enjoying these benefits, make sure to pay statements on time. To start your application, feel free to visit the M&S Bank website today, so you can begin enjoying the benefits of this credit card. If you want to keep searching for the perfect card, you can check out another M&S card here.

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.