M&S Credit Card Rewards

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.

How to collect your rewards points

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

See how your rewards points could add up.

For M&S Credit Cardholders


Earn 1 rewards point for every £1 spent in M&S (or 2 rewards points for every £1 spent for the first year with our M&S Credit Card Rewards offer)

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 (or 4 rewards points for every £1 spent for the first year with our M&S Credit Card Rewards offer)

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

Want to earn 12 months of 2 x rewards points?

Not yet an M&S Credit Cardholder?

As a new customer, with our Rewards Credit Card offer, you earn rewards points every time you shop and double rewards points when you shop at M&S (for the first 12 months). Your rewards points will be converted into M&S vouchers for you to spend.

Credit is subject to status.

Representative example

21.9%
Purchase rate p.a (variable)

21.9% APR
Representative (variable)

£1,200
Assumed credit limit

Find out more about the M&S Rewards Credit Card offer

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'll 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'll 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

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

Important documents

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

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* With the M&S Credit Card Rewards offer you’ll receive double rewards points on all your M&S shopping for the first 12 months.