M&S credit card points

Earn loyalty points that translate into M&S vouchers with any of M&S credit cards.

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 rewards points calculator
£
rewards points

Use the fields above to calculate how much cashback you will earn.

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

Pros

  • Good earn rate.
  • Automatic points redemption every three months.
  • Vouchers are valid 15 months.
  • 55 days interest-free credit.
  • Additional cardholders can be added.
  • Preferential rates on M&S Travel Money.

Cons

  • Reduced earn rate on non-M&S purchases.
  • Points can only be redeemed for M&S vouchers.
  • Works separately from M&S’ standard loyalty card, so you need to carry both.

Compare credit cards that earn M&S points

Table: sorted by representative APR, promoted deals first
1 - 3 of 3
Name Product 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
4.5
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £1 spent
£0
24.9% APR (variable)
Check eligibility
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).
M&S Bank Credit Card Transfer Plus Offer Mastercard
4.0
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £5 spent
£0
24.9% APR (variable)
Check eligibility
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).
M&S Bank Credit Card Shopping Plus Offer Mastercard
4.0
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £5 spent
£0
23.9% APR (variable)
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).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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2 Responses

    Default Gravatar
    RonaldMay 28, 2019

    Hi I have a master card and expected some vouchers for having so many points when I spoke to a member of your staff she said they would arrive but not received anything.

      AvatarFinder
      fayemanuelMay 29, 2019Finder

      Hi Ronald,

      Thanks for getting in touch with finder.
      Please contact M&S Bank directly to know the status of the voucher delivery.
      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Faye

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