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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 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
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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 methodologyApproval 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 Defaqto.
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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
More resources on Finder
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M&S Bank Rewards Credit Card review
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