M&S credit card 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. Here’s how it works, how to make the best out of it and what its pros and cons are.

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.

Compare credit cards that earn M&S points

Updated October 16th, 2019

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Name	Product	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Rep. APR		Incentive	Representative example
M&S Bank Reward Plus Mastercard		2,500 points	2 points per £1 spent	1 point per £5 spent	£0	19.9% p.a. (variable)	Go to site More Info	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Mastercard		500 points	1 point per £1 spent	1 point per £5 spent	£0	19.9% p.a. (variable)	Go to site More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard		500 points	1 point per £1 spent	1 point per £5 spent	£0	19.9% p.a. (variable)	More Info	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...

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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