Benefits of an M&S Rewards Credit Card
- Earn M&S vouchersEarn Rewards points every time you shop, and they'll be converted into M&S vouchers for you to spend*. See how your Rewards points could add up.
- 0% Interest on purchases for 9 monthsYou can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.
- 0% Interest on balance transfers for 9 months0% for 9 months on balance transfers made within 90 days of account opening (3.49% fee, min £5)**.
Representative example
23.9% Purchase rate p.a (variable)
23.9% APR Representative (variable)
£1,200 Assumed credit limit
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The balance transfer calculator is for illustrative purposes only and shows potential savings if you transfer your balance to the M&S Rewards Credit Card. You should ensure that the data you enter is accurate. The saving is based on the assumption that you will continue to make the fixed monthly payments and that you don’t use the credit card for purchases, cash or other transactions. The balance transfer calculator doesn’t take into account your financial position (for example, if you have other cards with balances that you do not intend to transfer). APR is variable. Savings based on 3.49% transfer fee.
M&S Credit Card Rewards
You can collect Loyalty Rewards points when you shop using your M&S Credit Card. These points are converted into M&S vouchers for you to redeem at M&S stores or M&S.com. Rewards point totals will be converted to vouchers up to 4 times a year. You can choose to receive these digitally in the Sparks area of the M&S app or via post as paper vouchers. These vouchers are valid for up to 17 months, so you can spend them straightaway or save them for a special occasion, the choice is yours. Find out more about how M&S Rewards you.
M&S Club Rewards
If you really love M&S, by subscribing to M&S Club Rewards for £10 per month, you will receive £120 in M&S vouchers as well as other gifts and treats. In total, that could be worth £240***, throughout the year.
* Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S Rewards vouchers.
** Our credit card offer balance transfers have a 3.49% fee, minimum £5. Terms and conditions apply. Don't forget to make at least your minimum payments on time to keep your promotional rates on balance transfers and purchases and save on interest. We accept balance transfers from most credit or store cards held with other lenders.
*** 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.