M&S Bank Rewards Credit Card review

The M&S Bank Rewards Credit Card is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

How does it compare?

M&S Bank's card

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Name	Product UKCCF	Finder Score	Finder score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Rewards Credit Card Mastercard M&S Bank Rewards Credit Card Mastercard		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £5 spent	£0	23.9% APR (variable)	Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	loading Fetching your data...

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Other popular reward cards

Table: sorted by representative APR, promoted deals first

1 - 20 of 35

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Name	Product UKCCF	Finder Score	Finder score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Credit Card Purchase Plus Offer Mastercard M&S Bank Credit Card Purchase Plus Offer Mastercard		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £1 spent	£0	24.9% APR (variable)	Check eligibility Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard M&S Bank Credit Card Transfer Plus Offer Mastercard		3.9 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £5 spent	£0	24.9% APR (variable)	Check eligibility Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
John Lewis Partnership Credit Card John Lewis Partnership Credit Card		3.9 ★★★★★	★★★★★ Expert analysis	N/A	1.25 points per £1 spent	1 point per £4 spent	£0	28.9% APR (variable)	Check eligibility Read review Compare	Earn 2.5% back as points towards gift vouchers on eligible spend at John Lewis and Waitrose in the first 60 days from account opening. Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. 1 point = 1p (min 500pts)	Representative example: When you spend £1,200 at a purchase rate of 28.94% (variable) p.a., your representative rate is 28.9% APR (variable).	loading Fetching your data...
British Airways American Express® Credit Card British Airways American Express® Credit Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	5,000 points	1 point per £1 spent	1 point per £1 spent	£0	30.7% APR (variable)	Check eligibility Read review Compare	New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	loading Fetching your data...
American Express® Rewards Credit Card American Express® Rewards Credit Card Finder Award		3.9 ★★★★★	★★★★★ Expert analysis	10,000 points	1 point per £1 spent	1 point per £1 spent	£0	30.7% APR (variable)	Check eligibility Read review Compare	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	loading Fetching your data...
Yonder 'No Fee' Credit Card Yonder 'No Fee' Credit Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	N/A	5 points per £1 spent	1 point per £1 spent	£0	32.9% APR (variable)	Check eligibility Read review Compare		Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).	loading Fetching your data...
Nectar Credit Card Nectar Credit Card Finder Award		3.8 ★★★★★	★★★★★ Expert analysis	20,000 points	3 points per £1 spent	2 points per £1 spent	Year 1 - £0, Year 2 onwards - £30 per annum	37.5% APR (variable)	Check eligibility Read review Compare	New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.5% APR (variable).	loading Fetching your data...
The Marriott Bonvoy American Express Card The Marriott Bonvoy American Express Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	20,000 points	6 points per £1 spent	2 points per £1 spent	£95 per annum	54.5% APR (variable)	Check eligibility Read review Compare	Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.5% APR (variable).	loading Fetching your data...
Yonder Credit Card Yonder Credit Card Finder Award		4.5 ★★★★★	★★★★★ Expert analysis	10,000 points	25 points per £1 spent	5 points per £1 spent	1 month for £0, £15 per month thereafter	66.7% APR (variable)	Check eligibility Read review Compare	First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.	Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card American Express® Preferred Rewards Gold Credit Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	20,000 points	3 points per £1 spent	1 point per £1 spent	Year 1 - £0, Year 2 onwards - £195 per annum	88.3% APR (variable)	Check eligibility Read review Compare	New Cardmembers earn 20,000 Membership Rewards® points when you spend £3,000 in your first 3 months of Cardmembership. Terms Apply. 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.3% APR (variable).	loading Fetching your data...
British Airways American Express® Premium Plus Card British Airways American Express® Premium Plus Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	30,000 points	3 points per £1 spent	1.5 points per £1 spent	£300 per annum	139.2% APR (variable)	Check eligibility Read review Compare	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.2% APR (variable).	loading Fetching your data...
The Platinum Card® by American Express The Platinum Card® by American Express Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	50,000 points	2 points per £1 spent	1 point per £1 spent	£650 per annum	701.4% APR (variable)	Check eligibility Read review Compare	Earn 50,000 Membership Rewards® points, when you spend £6,000 in your first 3 months of Cardmembership. 18+, subject to status. Terms Apply.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £650 per annum, your representative rate is 701.4% APR (variable).	loading Fetching your data...
Tesco Bank Low APR Clubcard Credit Card Tesco Bank Low APR Clubcard Credit Card Finder Award		5.0 ★★★★★	★★★★★ Expert analysis	N/A	1.25 points per £1 spent	1 point per £8 spent	£0	10.9% APR (variable)	Read review Compare	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa The Co-operative Bank Members' Credit Card Visa		3.5 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £2 spent	1 point per £3.33 spent	£0	18.2% APR (variable)	Read review Compare	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.	Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	loading Fetching your data...
M&S Bank Rewards Credit Card Mastercard M&S Bank Rewards Credit Card Mastercard		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £5 spent	£0	23.9% APR (variable)	Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	loading Fetching your data...
HSBC Premier Credit Card HSBC Premier Credit Card		3.5 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £1 spent	£0	23.9% APR (variable)	Read review Compare	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles. 1 point = 1p (no min)	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	loading Fetching your data...
Tesco Bank Balance Transfer Card Tesco Bank Balance Transfer Card Finder Award		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1.25 points per £1 spent	1 point per £8 spent	£0	24.9% APR (variable)	Read review Compare	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants or entertainment.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
Tesco Bank Clubcard Low Fee Balance Transfer Mastercard Tesco Bank Clubcard Low Fee Balance Transfer Mastercard Finder Award		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £4 spent	1 point per £8 spent	£0	24.9% APR (variable)	Read review Compare	5 points per £4 spent in Tesco, 1 point per £8 spent outside Tesco and 1 point per £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 1 litre bought. 100 points = £1 in vouchers	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
Virgin Money Virgin Atlantic Reward Credit Card Virgin Money Virgin Atlantic Reward Credit Card Finder Award		3.9 ★★★★★	★★★★★ Expert analysis	3,000 points	1.5 points per £1 spent	1 point per £1.33 spent	£0	26.9% APR (variable)	Read review Compare	Earn 3,000 bonus points with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)	Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a., your representative rate is 26.9% APR (variable).	loading Fetching your data...
NatWest Travel Reward Credit Card Visa NatWest Travel Reward Credit Card Visa		4.3 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £10 spent	£0	27.9% APR (variable)	Read review Compare	Earn 1% in Rewards on eligible travel spending and up to 15% on monthly offers from chosen partner retailers. Earn 0.1% everywhere else. Rewards can be converted into money and transferred to a current account, exchanged for e-codes with some retailers worth more than the cash or converted into money and donated to one of the RBS Group chosen charities.	Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	loading Fetching your data...

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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Repayment options

You can make manual repayments through M&S Bank's app by logging in to your online banking or over the phone (0800 997996). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score and incurring the late payment fee of £12). You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires – simply divide your outstanding balance by 9 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

How to apply

If you've compared cards and settled on the M&S Bank Rewards Credit Card, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.

Frequently asked questions