Approval for any credit card will depend on your status. The APR shown represents 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.
Compare credit cards that earn M&S points
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 two.
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
- Good earn rate.
- Automatic points redemption every three months.
- Vouchers are valid 15 months.
- Additional cardholders can be added.
- Preferential rates on M&S Travel Money.
- 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.
More guides on Finder
Official figures say credit card usage is down, but are some having to use their cards more?
New research indicates that not everyone may have been using their card less throughout lockdown. The study found that over 2 in 5 credit card holders (43%) used, and are continuing to use, their credit cards more than they did before lockdown started in March.
Best 0% purchase credit cards
0% purchase credit cards can help cover the cost of large purchases or expenses, and are often cheaper than a personal loan. Here’s where you can get the best 0% purchase credit cards, and how you can get the best use out of your card.
Best credit cards for building credit
All credit cards benefit your credit history when you use them correctly, but these picks aim to support you on your journey to better credit.
Best first credit cards
If you’re looking to take out your first credit card, it can be hard to know what to look for. Here’s what you need to do to find the first credit card that’s best for you.
How old do you have to be to get a debit card?
Discover the pros and cons of getting a debit card as a child.
Sainsbury’s Bank Nectar Reward Credit Card review 2020
With a generous rewards points scheme and 0% balance transfer period, the Sainsbury’s Bank Nectar credit card is a well-rounded and low-cost reward card.
The Best American Express credit cards of November 2020
Looking for the best American Express Credit credit card? Here’s our guide to Amex’s best in class cards for cashback, rewards and more.
The best cashback credit cards of 2020
Cashback credit cards let you earn money back on every purchase you make, but which one has the best cashback offer, as well as the best rate?
The best balance transfer credit cards of 2020
Here’s how you can get the best deal on a balance transfer credit card, from finding the longest 0% periods to getting the lowest fees.
Amazon Business American Express Card review 2020
Amazon has joined the business credit card game with two reward-focused cards.
Ask an Expert