Earn Rewards with your credit card

With an M&S Rewards Credit Card, you’ll receive 1 point†  per £1 spent at M&S in store or online. You’ll also receive 1 point† per £5 spent elsewhere. E.g. petrol, going out or travel.

With an M&S Purchase Plus Credit Card, you’ll receive 1 point † for every £5 spent, either at M&S or elsewhere. When you spend on your M&S Purchase Plus Credit Card outside of M&S, a minimum transaction value of £5 is required to earn points. 

With an M&S Transfer Plus Credit Card, you’ll receive 1 point† for every £5 spent, either at M&S or elsewhere. When you spend on your M&S Transfer Plus Credit Card outside of M&S, a minimum transaction value of £5 is required to earn points. 

If you're an existing M&S Credit Cardholder, you can check how many Rewards points you have:

• In Sparks on the M&S app or at marksandspencer.com within your M&S account, if you receive your Rewards vouchers digitally.
• On your digital or paper monthly statement.
• By signing in to Internet Banking.
• By calling 0345 900 0900 and selecting 1 for Credit Card, 1 again for 'make a payment'. After entering some details about your account, the automated service will provide you with your outstanding balance and number of points.
• On your till receipt after making a purchase in a M&S Store.

You'll receive any M&S vouchers you've earned four times a year. Digital Rewards vouchers are usually available in Sparks in the M&S app or in your M&S account at marksandspencer.com in March, June, September and December. Paper Rewards vouchers are sent about 7 weeks later.

You will see your Rewards points balance reduce on your statement before you've received the M&S vouchers.

Remember, you need at least 200 Rewards points to receive an M&S voucher. Anything less will be carried over for next time.

You can connect your M&S account with your M&S Credit Card account, so that you can use your Rewards vouchers digitally and benefit further with the Sparks loyalty programme. You can access these in Sparks in the M&S app or in your M&S account at marksandspencer.com.

If your paper M&S Rewards voucher has been lost or stolen, get in touch and we'll see what we can do.

To avoid losing vouchers in future, sign up to Credit Card Rewards online and receive your M&S Rewards vouchers in your Sparks account in the M&S app or at marksandspencer.com.

Each M&S Rewards voucher has its own expiry date and can only be used once.

If you’re still receiving paper Reward vouchers, make sure that the voucher you’re trying to use is in date and that you’ve not already redeemed it.

If you're still having trouble using your digital or paper vouchers, get in touch and we'll see what we can do.

Rewards vouchers do expire. Paper Rewards vouchers are valid for 15 months. Digital Rewards vouchers in your Sparks account are valid for 17 months, as they're displayed earlier which gives you a bit more time to use them.

You might find you're sent both paper and digital vouchers for a short time, just while we switch you over. You can only use each voucher once, so if you're using your digital vouchers, you can recycle the paper ones.

Club Rewards customers will still receive their hot drinks vouchers, clothing, home and food vouchers, and birthday treats in the post.

Sparks is our M&S customer reward scheme, giving you the chance to earn money into your digital Sparks wallet when you shop personalised offers. Enjoy:

• An annual birthday treat.
• Hot drinks stamps at the M&S café – so when you buy 6 hot drinks, you’ll get your 7th free!
• A donation to a charity of your choice each time you shop and scan your Sparks card.

Learn more about Sparks or browse Sparks FAQs.