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:

Here’s how it works


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

Receive M&S gifts

Receive M&S gifts, treats and vouchers 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 fact sheet.

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 or post within 10 days of subscribing to M&S Club Rewards. Your welcome pack will give you access to your first set of hot drink vouchers and first voucher to spend in M&S Clothing & Home.

You’ll receive your hot drinks vouchers four times a year usually in February, May, August and November. The rest of your gift/treat vouchers will be sent throughout the year.

When will I receive my birthday treat?

Birthday treats are sent twice a month, so you’ll receive yours within 2 weeks before or within 2 weeks after your birthday.

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 use my next day delivery?

You need to have a marksandpsencer.com account to enjoy next day delivery at no extra cost, we’ll deduct the cost when you select next day delivery at checkout. It can take up to 6 working days to apply this benefit to your account from subscribing to M&S Club Rewards or applying for a marksandspencer.com account (whichever is opened most recently). You’ll receive two one-time codes in your welcome pack which you can use in the meantime.

Next day delivery is not available in some locations e.g. Northern Ireland and Guernsey. Food, hampers, wine, flowers, furniture and items described as on sale are also excluded from this offer. Take a look at the next day delivery guide for more information.

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.

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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:

  • 32 hot drinks vouchers
  • M&S next day delivery (exclusions apply)
  • £12 M&S Birthday Treat Voucher
  • £65 M&S vouchers
  • Extra points abroad (fees apply)

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.

M&S next day deliveries are not available in some locations e.g. Northern Ireland and Guernsey. Credit is subject to status and eligibility criteria. Terms and conditions apply.

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

24.9% APR

credit limit

Credit is subject to status. T&Cs apply.

** Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 9 next day deliveries (not available in some locations eg Northern Ireland and Guernsey), points earned from £300 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.