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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Finder Score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Incentive	Representative example
Promoted 9.9Excellent M&S Bank Purchase Plus Credit Card	9.9Excellent	N/A	1 point per £1 spent	1 point per £5 spent	£0	24.9% APR (variable)	Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
8.7Great M&S Bank Transfer Plus Credit Card	8.7Great	N/A	1 point per £1 spent	1 point per £5 spent	£0	24.9% APR (variable)	Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply.	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
7.1Great M&S Bank Rewards Credit Card	7.1Great	N/A	1 point per £1 spent	1 point per £5 spent	£0	23.9% APR (variable)	Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply.	Representative example: Representative 23.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 23.9% p.a. (variable).	More info Compare product selection Compare	loading

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How we picked these

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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

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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

Chris's expertise

Chris has written 502 Finder guides across topics including:

• Loans & credit cards
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