Earn Reward points with your credit card

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

M&S Credit Card Rewards have gone digital!

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
  • 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


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 Rewards 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. You'll receive any M&S Rewards vouchers you've earned up to four times a year.

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 Rewards 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**

Note: If you receive your Credit Card Rewards vouchers digitally, please be aware that you will still receive your Club Rewards vouchers by post.

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. Paper Rewards vouchers are usually sent in February, May, August and November. Digital Rewards vouchers are usually available 2 months earlier in March, June, September and December.

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.

How can I receive credit card Rewards online?

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

Find out more about Credit card rewards online


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

If you've misplaced your M&S Rewards vouchers or had them stolen, get in touch with us 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 in your Sparks account at marksandspencer.com or in the M&S app.

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 M&S Rewards 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 Rewards voucher, get in touch with us and we'll see what we can do.

For digital Rewards vouchers in your Sparks account at marksandspencer.com or in the M&S app, please get in touch with the M&S team who can assist you further.

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.

If you receive your Rewards vouchers digitally, you can also view your points balance within your Sparks account at marksandspencer.com or in the M&S app.

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 around two months earlier which gives you a bit more time to use them.

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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:


24.9% 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 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 next day deliveries are not available in some locations e.g. Northern Ireland and Guernsey.

**If you receive your credit card Rewards vouchers digitally, please be aware that you will still receive your Club Rewards vouchers by post.

Important documents

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

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