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Understand more about what rewards you could receive as an M&S Bank cardholder 

24.9% APR representative variable

How do M&S Rewards work?

As an M&S Bank cardholder you earn Rewards points every time you spend. Those Rewards points turn into M&S Rewards vouchers up to four times a year, which are either sent to you in the post or are available in your Sparks account at marksandspencer.com or in the M&S app. Use these to treat yourself in M&S stores or online. And, if you really love M&S, by subscribing to M&S Club Rewards you could receive over £240*, on average, worth of goodies throughout the year, for just £10 a month.

Rewards calculator

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.

Credit card Rewards online

You can now view and redeem your M&S Credit Card Rewards vouchers in your Sparks account at marksandspencer.com or in the M&S app.

M&S Rewards

Learn more about the rewards you receive by using your M&S Credit Card

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

** Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 9 next day deliveries (not available in some locations eg Northern Ireland and Guernsey), points earned from £300 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.