Welcome to the M&Co. Card

The M&Co. Card is all about you. We value you as a customer and want to reward you for shopping with us. And it’s entirely up to you how you choose to indulge in the freedom of its numerous benefits. Select a stunning outfit for yourself, a great gift for a friend or some fantastic home furnishings at any time. Just look at the great benefits your M&Co. Card offers:


• Receive reward points every time you use your M&Co. Card. These points will be issued in your statement and can then be redeemed against merchandise of your choice. New M&Co. Cardholders will be awarded 5 points for every £1 spent for the first 6 months.

• Up to £500 instant credit when you take out the M&Co. Card

• Exclusive deals and offers from M&Co

• 10% off your first purchase at M&Co. with your new card

• Use your card at over 35,000 stores and outlets across the UK. Some concessions may be excluded

• Withdraw up to £200 cash a day from more than 41,000 cash machines wherever you see the LINK logo*

• Up to 56 days interest free credit on purchases, if you repay the whole balance on your statement within 25 days of the statement date

• No annual fee

• Enjoy the flexibility of Style Cheques

• First class customer service

*In addition to the interest charge on the cash or cheque advance, a charge of 75p or 1.5% of the transaction amount, whichever is more (maximum charge £3.50), is payable for each cash or cheque advance made and debited to your account.

Apply in-store today!

Now’s the time to fully reward yourself with all the benefits offered by the M&Co. Card and start enjoying more freedom. Apply in-store today and you could get approved for yours in just a few minutes!

Typical 24.9% APR (variable)

How does it work?

M&Co. – Rewarding you every time

The M&Co. Card offers an altogether more rewarding shopping experience. Here’s how it works…

• Only M&Co. Account Cardholders are eligible for the M&Co. Reward Programme

• M&Co. Reward Points are collected when you make a purchase in an M&Co store or on the M&Co. website using your M&Co. Account Card

• New M&Co. Cardholders will be awarded 5 points for every £1 spent for the first 6 months only

• Six months after the M&Co. Card is opened, M&Co. Cardholders will switch to earn 1 point for every £1 spent

• Rewards, in the form of M&Co. Points Vouchers, will be mailed with M&Co. Account statements to Cardholders who have accumulated a total of at least 100 points by the end of each collecting period.

• M&Co. Points Vouchers can be exchanged in full or part for M&Co. products with each 100 points equivalent to £1

• Awarded points may be cancelled if the relevant products to which such award relates are returned

• M&Co. Points Vouchers are valid for 1 year from date of issue

Start enjoying the benefits of your M&Co. Card today!

Simply apply in-store and you could be earning rewards on all your M&Co. purchases.

Please click here to view our full terms and conditions