Earn reward points with our credit cards

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

Are you making the most of your credit card rewards?

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 vouchers for you to spend in M&S stores or online.

How to collect your rewards points

100 rewards points = £1. You need at least 200 rewards points in order to receive a rewards voucher. Your rewards vouchers are usually sent in February, May, August and November.

See how your rewards points could add up.

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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.

For M&S Credit Cardholders


Earn 1 rewards point for every £1 spent in M&S

Earn 1 rewards point for every £5 spent elsewhere

Your rewards points will be added up and converted into M&S vouchers

For M&S Credit Cardholders who have also subscribed to M&S Club Rewards


Earn 3 rewards points for every £1 spent in M&S

Earn 1 rewards point for every £5 spent elsewhere

Earn 3 rewards points for every £1 spent abroad (on purchases made in the local currency - fees apply)

Your rewards points will be added up and converted into M&S vouchers

Find out more about M&S Club Rewards

How will you spend your credit card rewards?

Whether you're spoiling yourself or treating a friend, you can spend your vouchers on a wide range of things M&S have to offer online and in-store.

Here's some inspiration...

200 points = £2

Treat your taste buds to a bag of Percy Pigs

1,500 points = £15

Pick up a few pizzas for a family night in

3,000 points = £30

Smarten up your wardrobe with a new shirt

10,000 points = £100

Explore your inner chef with some new kitchenware

Frequently asked questions

When will I receive my rewards vouchers?

You'll receive any M&S vouchers you've earned four times a year usually in February, May, August and November. They're prepared up to 3 months in advance so 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 in order to receive an M&S voucher. Anything less will be carried over for next time.

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

If you've misplaced your M&S vouchers or had them stolen, get in touch with us and we'll see what we can do.

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

Each M&S voucher has its own expiry date. Make sure that the M&S 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 M&S voucher, get in touch with us and we'll see what we can do.

How can I earn more rewards points?

With an M&S Credit Card you will earn rewards points every time you shop.

If you are a member of M&S Club Rewards you'll receive 2 extra rewards points per £1 spent in M&S when using your card online and in-store on top of the rewards points you earn already!

M&S Club Rewards is exclusively available to M&S Credit Cardholders, costing £10 a month to subscribe.

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:

  • On your monthly statement
  • By signing into 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.

Do rewards vouchers expire?

Rewards vouchers are valid for 15 months.

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Calculate your credit card spends. See your rewards.

Collect 1 rewards point for every £1 spent in M&S and 1 rewards point for every £5 spent elsewhere. 100 rewards points = £1 in M&S vouchers.

With M&S Club Rewards you'll receive an extra 2 rewards points per £1 spent in M&S.

As an M&S Credit Card Customer, in a year we could give you:


23.9% APR Representative (variable)

Apply now for an M&S Credit Card

If you subscribe to M&S Club Rewards, in a year we could give you:

  • 32 hot drinks vouchers
  • M&S next day delivery (exclusions apply)*
  • £12 M&S Birthday Treat Voucher
  • £65 M&S vouchers
  • Extra points abroad (fees apply)

Available to existing cardholders for just £10 a month

Find out more about M&S Club Rewards

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.

Not an M&S Credit Cardholder?

Apply now to start earning your rewards. Credit is subject to status. T&C's apply. Representative 23.9% APR variable

Find out more


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

Find out more


*M&S next day deliveries are not available in some locations e.g. Northern Ireland and Guernsey.

Important documents

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

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