Marks and Spencer Credit Card Login

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Mark and Spencers (M&S) was first established in 1884 by Mr Thomas and Michael Marks. Currently, this brand has 959 stores across the globe that offer different retail items. It is a public limited company and a significant British Global Retailer organization.  The headquarters of this company is located in London, England.

M&S is one of the famous high-street sellers that has expanded their services in financial services and products. Therefore, M&S bank provides various ranges of deals from current accounts to pet insurance and credits cards.

One of the famous products of the M&S bank is their credit card that allows the customers to buy now and then pay later for their purchases. These payments are interest-free as well. These credit cards also provide rewards that can be redeemed in the stores. M&S cards are entirely regulated by the Financial Conduct Authority (FCA).

In this article, we’ll discover how you can log in to your Mark and Spencers credit card:

Eligibility Criteria For the Credit Card

For getting the Mark and Spencers Credit Card, you must check the eligibility criteria. If you are eligible on the below conditions, you are likely to be accepted for their credit card:

  • You are over the age of 18
  • You are a resident of the UK

How to Sign in For the Mark and Spencers Credit Card?

To log in for your Mark and Spencers credit card, you can follow the below steps:

  • Go to the website of Marks and Spencers (M&S) Bank.
  • On the bank’s landing page, you will find the option of SIGN IN.
  • Now put the email address and password in the boxes.

Snippet from the M&S website

Snippet from the M&S website

  • Finally, tap on the Sign-in in the provided Call to Action below to enter your account.

How to Activate Your Marks and Spencer Credit Card?

For activating your M&S credit card, you have to sign in as we have mentioned above and then choose your desired M&S cards from the different options.

  • Select the “Activate my Credit Card” option from the side navigation on the left-hand side and then follow the simple instructions.
  • You are all set to activate your M&S card now!

Furthermore, if you are unable to register to activate the M&S credit card, you can also activate the credit card by calling their customer care services on this number:

0800 -015 -0044

To respond, you have to provide their customer service providers with a few answers to the personal questions, and then they’ll follow the process to activate your M&S credit card.

Pros and Cons of Marks and Spencers Credit Card

M&S credit cards provide rewards that can be redeemed in the stores. Moreover, these cards are entirely regulated by the Financial Conduct Authority (FCA).


  • You will get a 0% introductory period on purchases
  • This card has a long 23-month interest-free period on new purchases
  • The USP of this card is that cardholders can earn reward points which is a rare event these days
  • You will receive one point for every £1 spent in M&S and one point for every £5 spent elsewhere.


  • If you want to achieve the biggest gains on this card, you need to use it on the M&S store because you won’t gain many rewards on the other brands.
  • You have to pay the balance transfer fee considering you then only have twelve months to pay off your balance without incurring interest charges. That’s why you need to think about whether it’s a cost-effective option or not.

Final Thoughts

If you are a regular customer of Marks and Spencers, getting the Marks and Spencer’s Credit Card is a good investment. Further, when you have an M&S credit card, it’ll convert the points into rewards in the form of vouchers, and you can spend it in any of the M&S stores. You can also enjoy the perks like no cash advance fee when you use these credit cards to buy the M&S travel money.

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