M&S Rewards

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

How to collect your rewards points

Collect rewards points when you spend on your M&S Credit Card and they'll be converted into M&S vouchers for you.

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

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

Frequently asked questions

When will I receive my M&S 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 M&S 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 M&S 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.

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Not an M&S Credit Cardholder?

Apply now to start earning your rewards. Credit is subject to status. T&C’s apply. Representative 21.9% APR variable

Important documents

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

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