How to Get an M&S Shopping Plus Credit Card

Are you interested in getting a credit card that provides you with rewards points with every spend? Do you want a rewarding credit card that offers bonus points and competitive rates in the industry?

With an M&S Shopping Plus Credit Card, you can avail of these privileges and many more.

Interested in knowing how you can get this credit card? Read on to find out more about what this 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 individuals who prefer shopping at Marks & Spencer establishments and those who are interested in earning more points each time they purchase any item.


Powered by Mastercard, one the highlights of this credit card is shopping at more than 43 million outlets worldwide. Besides this convenience and accessibility, you can experience 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.

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 also 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.

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

To be eligible, you must at least be 18 years old to apply 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 coursed through the M&S Bank website. 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 Fees and Charges

  • 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 and returns with every spend. To keep enjoying these benefits, make sure to pay the 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.