Earn reward points with our credit cards
As an existing M&S Credit Cardholder, spend on your credit card and enjoy the 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.
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)
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
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.
*M&S next day deliveries are not available in some locations e.g. Northern Ireland and Guernsey.
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