Earn Rewards with your credit card

As an existing M&S Credit Cardholder, spend on your credit card and enjoy the Rewards

Receive your M&S Credit Card Rewards digitally!

M&S Credit Card Rewards online allows you to access your Rewards vouchers and Bonus Offers in your Sparks account at marksandspencer.com or in the M&S app. You'll need to be registered for Sparks and M&S Bank Digital Banking.

Why go digital?

  • Get your Rewards vouchers earlier in the M&S app
  • Never lose a paper voucher again
  • Track how many Rewards points you have in the M&S app
  • Credit Card Rewards and personalised Sparks offers at your fingertips
  • Get reminders when your Rewards vouchers are available, so you never miss a thing

Find out more about Credit card rewards online


How do credit card Rewards work?

As an M&S Credit Cardholder you earn Rewards points* every time you spend on your M&S Credit Card, which will be converted into M&S Rewards vouchers for you to spend in M&S stores or online.

For every £1 spent in M&S, you'll earn 1 point. For every £5 spent outside of M&S you'll earn 1 point. 100 Rewards points = £1. When you reach 200 Reward points you will receive a Rewards voucher, these are sent out every quarter (see below for more details).

† Based on the M&S Credit Card offer, excluding any additional offers.

What are Bonus Offers?

As a credit card loyalty customer, you may receive Bonus Offers as part of your quarterly rewards mailing in addition to any Rewards vouchers you have earned.

The offers are a way for you to benefit further from the loyalty programme and earn extra Reward points.

When do I receive my Rewards?

Digital Rewards

  • Rewards vouchers are usually available in your Sparks Account in: March, June, September and December.
  • Bonus Offers are usually available in your Sparks Account in: February, May, August and November.

Paper Rewards

  • Paper Rewards vouchers and Bonus offers are sent at the same time and usually arrive in the post in: February, May, August and November.

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M&S Credit Card Rewards

How it all works.

Every time you spend on your M&S Credit Card, whether that’s at M&S or elsewhere, you automatically earn M&S Rewards Points.

Every 3 months (usually February, May, August and November) your points are added up and then converted into M&S Rewards Vouchers* which are sent to you in the post.

100 points = £1 back to spend in M&S.

You can use your M&S Rewards Vouchers in store or online.

What you use them for is up to you! 200 points = £2. 1,500 points = £15. 3,000 points = £30.

M&S Credit Card rewards are in addition to the benefits you receive with M&S Sparks.

They make perfect partners for those who love shopping in M&S!

*You’ll need to have earned at least 200 rewards points to receive a rewards voucher.

Need more support with your rewards?

How can I check how many Rewards points I have?

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

  • In the M&S app or at marksandspencer.com within your Sparks 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.

When will I receive my Rewards vouchers?

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

You might 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.

How can I receive credit card Rewards online?

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

Find out more

I've lost/had my vouchers stolen, can I receive new ones?

If you've misplaced your M&S Rewards vouchers or had them 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.

My Rewards vouchers won't work, what do I do?

Each M&S Rewards voucher has its own expiry date. For paper Rewards 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.

Do Rewards vouchers expire?

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.

Bonus Offers do expire and the dates of these will vary. Please check your Bonus Offer voucher for details.

Why have I received my vouchers in the post when I have switched to Digital Rewards?

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 some vouchers in the post, including hot drinks vouchers, birthday treats, and seasonal vouchers.

How do Bonus Offers work?

Bonus Offers are a way for you to earn more Rewards points, they are tailored to each customer and can vary between Rewards mailings. From time to time, you may also receive other points offers from us.

When do I receive Bonus Offers?

As a Digital Rewards customer, your Bonus Offers will arrive at a different time to your Rewards vouchers. Bonus Offers are usually available in February, May, August and November and will be found in your Sparks account in the M&S app or at marksandspencer.com.

If you receive paper vouchers, your Bonus Offers will arrive at the same time as your Rewards vouchers.

Not an M&S Credit Cardholder?

Apply now to start earning your rewards. Credit is subject to status. T&C's apply. Representative 24.9% APR variable

M&S Club Rewards

Enjoy more of what M&S has to offer by subscribing to M&S Club Rewards for just £10 a month

*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.

Important documents

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

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