M&S credit card points

Overview

A loyalty programme for the true M&S addicted, M&S Loyalty Scheme has a decent earn rate, but only allows you to redeem points for more M&S vouchers.

If you thrive at the idea of losing yourself in an endless spiral of M&S shopping, it could be right for you.

How to earn M&S credit card points

You earn M&S credit card points every time you shop with your M&S credit card. M&S doesn’t offer a huge range of credit card options, but it does cover three main credit card types – rewards, balance transfer and 0% purchases.

When you use your credit card to shop at M&S, you earn points at a comparatively good rate – 1 point for every £1 you spend. If you choose the Reward Plus credit card, for the first year your M&S shopping points will be doubled.

Like with most credit card loyalty schemes, the earn rate decreases for all other purchases – 1 point for every £5 you spend. So for example you’ll earn 100 points every time you spend £100 at M&S, every time you spend £500 anywhere else, or any possible combination of the 2.

M&S credit card points calculator

Use our calculator to find out how many M&S rewards points you could get.

M&S Sparks points vs credit card points

Unlike with other retailers, M&S credit card points and M&S regular loyalty points (part of the Sparks scheme) aren’t the same thing and don’t work together – which can be a bit of a hassle, especially because it means you’ll have to swipe both cards at the till if you want to make the best out of it.

However, if you do that you can earn Sparks and card points at the same time, and earn more prizes.

How to redeem M&S credit card points

As we said, M&S credit card points can only be redeemed for more M&S vouchers. 100 credit card points are worth £1.

The good news is, four times a year M&S posts you the vouchers you’ve earned, so you don’t actually need to do anything.

However, if you do want to check your balance, you can use M&S online banking to do it.

Vouchers last 15 months, so you can choose whether to spend them immediately and get a nice discount on your groceries, or save them for a bigger purchase.

Pros and cons

Compare credit cards that earn M&S points

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Name	Product UKCCF	Finder Score	Finder score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Credit Card Purchase Plus Offer Mastercard M&S Bank Credit Card Purchase Plus Offer Mastercard		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £1 spent	£0	24.9% APR (variable)	Check eligibility Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard M&S Bank Credit Card Transfer Plus Offer Mastercard		3.9 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £5 spent	£0	24.9% APR (variable)	Check eligibility Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
M&S Bank Rewards Credit Card Mastercard M&S Bank Rewards Credit Card Mastercard		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £5 spent	£0	23.9% APR (variable)	Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	loading Fetching your data...

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Frequently asked questions

• What are M&S credit card points worth?

  Earn 1 Rewards point for every £1 spent at M&S and 1 Rewards point for every £5 spent elsewhere. Once you accumulate 100 rewards points, you can redeem them for a £1 M&S voucher. However, you must have a minimum of 200 Rewards points to receive a Rewards voucher.

• What do M&S points mean?

  It’s a way to reward yourself at M&S. You’ll earn more points for shopping at M&S and then receive vouchers to spend in store. Think of it as a loyalty card that rewards loyalty by allowing you to spend your rewards there.

• Do M&S points expire?

  Yes. After 15 months, M&S rewards vouchers expire.

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 609 Finder guides across topics including:

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