(Translated by https://www.hiragana.jp/)
Bank | M&S

M&S BANK

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Sparks Pay Credit Account

M&S Credit Cards

M&S Club Rewards

M&S Travel Money

Insurance

Personal Loans

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Sparks Pay

M&S Rewards Credit Card

23.9% APR representative (variable)

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Credit is subject to status.
M&S plc acts as a credit broker not a lender.

Credit Card Xmas Image

Sparks Pay

Learn more

Credit is subject to status.
M&S plc acts as a credit broker not a lender.

Credit Card Xmas Image

Sparks Pay

Learn more

Credit is subject to status.
M&S plc acts as a credit broker not a lender.

M&S Travel Money

Learn more

M&S Club Rewards

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Explore our credit offers

Sparks Pay

Up to 45 days interest free on all purchases at M&S^*, plus get 20% off your first eligible Clothing & Home purchase.^**

REPRESENTATIVE EXAMPLE

23.9%

Purchase rate p.a. (variable)

23.9% APR

Representative (variable)

£500

Assumed credit limit