Collect points that let you treat yourself in M&S

As an M&S Bank cardholder you’ll collect M&S points when you shop and 4 times a year your points will be converted into M&S reward vouchers and sent to you by post.

It’s the easy way to treat yourself a little more often to the things you love at M&S whether that is updating your wardrobe or saving up for a bigger purchase, like a sofa, because your reward vouchers are valid for 15 months.

M&S Credit Card

  • Spend £1 in M&S = one point
  • Spend £5 elsewhere = one point

If you’ve chosen the M&S Credit Card Rewards offer in your first year you’ll receive:

  • Spend £1 in M&S = two points
  • Spend £5 elsewhere = one point

After your first year, you’ll receive one point per £1 in M&S.

Representative 21.9% APR variable.

M&S Club Rewards

  • Spend £1 in M&S using your M&S Credit Card = three points
  • Spend £1 abroad on purchases made in the local currency on your M&S Credit Card = three points (fees apply)

M&S Credit Card Rewards offer customers who take out M&S Club Rewards will receive:

  • Spend £1 in M&S = four points
    During the 12 months M&S Credit Card Rewards offer period
  • Spend £5 elsewhere = one point

Representative 21.9% APR variable.

100 points is equal to £1

Providing you have over 200 points, your quarterly total will be converted into vouchers and sent to you in February, May, August and November.

M&S Rewards Calculator

Use our rewards calculator to see how quickly your points can add up. Slide the markers to see how much you'll receive each year in reward vouchers when you use your M&S Credit Card.

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Important documents

M&S Loyalty terms and conditions(PDF document)(opens in a new window)

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