13 cards ranked
Best credit card to use at Marks and Spencer.
Department StoreOnline Shopping
Marks and Spencer is a long-running British retailer selling clothing, home goods, and food, with a U.S.-facing online storefront that ships internationally for shoppers outside the UK. The company is one of Britain's best-known department-store chains, though it operates no physical U.S. locations. There is no Marks and Spencer co-brand credit card in the U.S. market, so a card that rewards department-store or general online shopping is the more useful choice, with a flat-rate cashback card as a simple fallback.
Picks without a tag earn at Marks and Spencer both in-store and online. Watch for theOnline onlytag — those bonuses only apply on marksandspencer.com.
- #1US Bank Cash+ Visa Signatureif you select itU.S. Bank5% on department stores if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #2Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #33%
- #42%
- #52%
- #6First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #7Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #8American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #9Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #102%
- #112%
- #122%
- #132%
Last updated July 9, 2026