Earn Reward Points with every shop
Your base M&S Credit Card earn rate
This will vary depending on your offer
Earn an additional 2 points per £1 spent at M&S
When you subscribe to Club Rewards
What's included?
Receive £120 in M&S vouchers across the year, giving you the cost of your 12-month subscription back, along with more rewards:
£100 to spend on fashion, home and beauty
£20 to spend on M&S Food favourites
32 hot drinks vouchers to use in M&S Cafés
Birthday treat - enjoy 10% off in clothing, home and beauty
Plus earn more rewards when you spend
Reward Points turn into M&S vouchers
Points are converted to M&S vouchers and will be available quarterly to spend at M&S.
200
reward points=
£2
in M&S vouchers
88% of M&S Bank customers in Finder.com's customer satisfaction survey would recommend the brand to a friend.
Terms & Conditions
Marks and Spencer plc, Waterside House, 35 North Wharf Road, London W2 1NW acts as a credit broker and not a lender.
Authorised and regulated by the Financial Conduct Authority (Register no. 718711). Credit is provided subject to status by Marks & Spencer Financial Services plc to UK residents aged 18 or over. We receive a payment from Marks & Spencer Financial Services plc for introducing customers who apply and are approved for credit. The payment is made to cover the costs we incur by offering credit products to our customers and may therefore vary depending on the credit product. It will not affect the amount you pay for credit.
M&S Club Rewards is a paid subscription exclusively available to M&S Credit Card customers. The M&S Credit Card and M&S Club Rewards membership are provided subject to separate T&Cs by Marks & Spencer Financial Services plc, Chester CH99 9FB. If you apply for Club Rewards at the same time as the Credit Card, you will need to first be approved for the Credit Card. Club Rewards is a subscription that can be ended at any time and will not damage your credit.
As an M&S Credit Card customer, you earn one Rewards Point for every £1 spent in M&S. With M&S Club Rewards, you’ll earn an extra two Rewards Points per £1 spent in M&S (a total of three Rewards Points per £1). This does not account for any incentive offer that includes a points boost. M&S Rewards Points can’t be earned on purchases of foreign currency (including M&S Travel Money), or M&S gift cards or vouchers.
Full Club Rewards T&Cs apply and can be viewed at bank.marksandspencer.com/pdf/ClubRewardsT&Cs.pdf.
