M&S Club Rewards

As an M&S Credit Cardholder you can enjoy even more rewards when you subscribe to M&S Club Rewards

What's included in my £10 a month subscription?

Our Club Rewards subscription gives you £120 in M&S vouchers, as well as other gifts and treats, in total that could be worth £240** throughout the year.

Here's how it works

Subscribe

Subscribe to M&S Club Rewards for just £10 a month.

Receive M&S gifts

Receive £120 in M&S vouchers as well as other gifts and treats, in total that could be worth £240**, throughout the year.

Receive M&S vouchers

Spend on your M&S Credit Card and receive even more M&S vouchers.

Ready to apply?

M&S Club Rewards is exclusively available to M&S Credit Cardholders. If you do not hold an M&S Credit Card, you will need to successfully apply for one before you can open M&S Club Rewards. Credit is subject to status. T&Cs apply. (Representative 24.9% APR Variable).

For full details of M&S Club Rewards benefits, view our terms and conditions.(opens in a new window)

Apply now

Not a M&S Bank Credit Cardholder

Already a member?

When will I receive my welcome pack, gifts and treats?

You should receive your welcome pack by email within 48 hours of subscribing to M&S Club Rewards. If you requested this by post this will arrive within 10 days of subscribing. Your welcome pack will give you access to your first set of hot drink vouchers, your first voucher to spend in M&S clothing, beauty & home. Plus, your first food voucher in the qualifying period.

You'll then receive your hot drinks vouchers and clothing, beauty and home vouchers four times a year usually in January, April, July and October. Your food voucher will then be sent twice a year, usually April and October.

When will I receive my birthday treat?

Birthday treats are sent once a month, so you'll receive yours within the month of your birthday. If you subscribe to Club Rewards within the month of your birthday, you will receive this at a later date.

How do I make a travel insurance claim?

If you have travel insurance as a part of your M&S Club Rewards subscription, this is how to make a claim:

  • For emergency medical assistance 24 hours a day, 7 days a week, please call: 0800 051 3483 or +44 (0)160 360 3371 if you're calling from abroad. You'll need your policy number to hand when you call.

  • If you don't require urgent medical attention, you can make a claim online or by calling us on 0800 051 2619 or +44 (0)160 360 3042 if you're calling from abroad. Lines are open 8am-8pm Monday to Friday, 8am-4pm Saturday and public holidays. You'll need this information to hand:
    • - Your policy number
    • - Your personal details, plus anyone else claiming on this policy
    • - Details about your trip, for example, date of travel and airline (if that's relevant)
    • - Your bank account details so that we can settle your claims as soon as a decision is made

How do I cancel M&S Club Rewards?

You can cancel your subscription, or remove your travel insurance cover from M&S Club Rewards, by completing this online form. This form needs to be completed by the main cardholder.

Customers who choose to remove their travel insurance cover will still receive all the other benefits, treats and delights for a fee of £10 a month.

I've lost my hot drinks/gift & treat vouchers, can I receive new ones?

Unfortunately, any misplaced hot drinks, gift or treat vouchers cannot be replaced.

I have a question about the vouchers I have received for spending on my M&S Credit Card

We may be able to answer or resolve your question with our Frequently Asked Questions.

Can't see an answer to your question?

Ask our Virtual Assistant

Just ask


Calculate your credit card spends. See your rewards.

Collect 1 Rewards point for every £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers. This is based on the M&S Credit Card offer and excludes any additional offers.

With M&S Club Rewards you'll receive an extra 2 rewards points per £1 spent in M&S.

As an M&S Credit Card Customer, in a year we could give you:


24.9% APR Representative (variable)

Apply now for an M&S Credit Card

If you subscribe to M&S Club Rewards, in a year we could give you:

  • 120 pounds M and S vouchers
  • 32 hot drink vouchers
  • M&S birthday treat - e.g. a 10% discount in M&S. Subject to change

Available to existing cardholders for just £10 a month

Find out more about M&S Club Rewards

M&S Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S rewards vouchers.

Credit is subject to status and eligibility criteria. Terms and conditions apply.

Important documents

M&S Club Rewards T&Cs(PDF document)(opens in a new window)

Travel Insurance Policy Booklet(PDF document)(opens in a new window)

You may require Adobe PDF reader to view these documents. Download Adobe Reader(opens in a new window)

Not an M&S Credit Cardholder?

M&S Club Rewards is exclusively available to M&S Credit Cardholders. Apply today to gain access to M&S Club Rewards.

M&S Credit Card representative example

24.9% p.a.
Purchase rate
(variable)

24.9% APR
Representative
(variable)

£1,200
Assumed
credit limit

View Credit Card offers

Credit is subject to status. T&Cs apply.

** Based on £120 worth of M&S vouchers, 32 hot drink vouchers, 10% birthday voucher based on £60 average spend, and points earned from an average monthly spend in M&S of £34 on an M&S Credit Card.