Rewards
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.
If you’ve chosen the M&S Credit Card Reward Plus offer in your first year you’ll receive:
After your first year, you’ll receive one point per £1 in M&S.
Representative 21.9% APR variable.
When you spend on your M&S Credit Card and you have an M&S Premium Current Account you’ll receive:
If you’ve chosen the M&S Credit Card Reward Plus offer, in your first year you’ll receive:
Representative 21.9% APR variable
M&S Credit Card Reward Plus offer customers who take out M&S Premium Club will receive:
Representative 21.9% APR variable.
Spend £1 in M&S = one point
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.
Our current accounts are subject to eligibility criteria. M&S Current Account has no monthly fee. M&S Premium Current Account is £10 a month. M&S Premium Current Account with insurance is £20 a month with an initial fixed term of 12 months. The Premium Current Accounts are automatically renewed monthly. Terms and conditions apply.
Please note, M&S Premium Current Account and M&S Premium Current Account with insurance are no longer available to new customers.
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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M&S Loyalty terms and conditions(PDF document)(opens in a new window)
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