How to Get an M&S Reward Plus Credit Card

Are you in search of a credit card that is not only convenient, but also rewarding? With an inclusive point-based rewards system, the M&S Reward Plus Credit Card might just meet your needs.

It offers great promotional interest rate options, making it an option you should keep high on your list.

Read on to find out more about its offers and how you can be eligible to apply today.

How to Get an M&S Reward Plus Credit Card

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

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.

Aside from reward points, the bank’s introductory offers also allow you to shop without any interests for 6 months. You can even make balance transfers for 0% interest. Just keep in mind that a balance transfer fee of 2.9% (GBP 5 minimum) applies.

Eligibility and How to Apply for an M&S Reward Plus Credit Card

If you are interested in getting an M&S 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 pay slips, a latest bank statement, proof of identity, and proof of residence. The bank will require you to give personal, employment, financial, and contact details.

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

During the process, you will be given the chance to apply for a credit limit that suits your lifestyle. The minimum credit limit is GBP 500. However, remember that the bank will assign a manageable amount based on your employment, financial, and credit information.

M&S Reward Plus Credit Card Fees & Charges

  • 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 GBP 3
  • Late payment fee – GBP 12
  • Non-sterling foreign fee – 2.99% of the amount of the sterling transaction value, 2.99% of the cash advance (minimum £3)


Credit banking doesn’t have to be so difficult. In fact, with an M&S Reward Plus Credit Card, you might even enjoy it, given the great promotions and rewards system they have to offer. When you get this account, you not only have easy access to funds, but you also earn while spending. In fact, you can even minimize costs when you take advantage of their promotional offers.