M&S credit card points

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

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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

Table: sorted by representative APR, promoted deals first
Updated October 16th, 2019
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
2,500 points
2 points per £1 spent
1 point per £5 spent
£0
19.9% p.a. (variable)
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).
500 points
1 point per £1 spent
1 point per £5 spent
£0
19.9% p.a. (variable)
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).
500 points
1 point per £1 spent
1 point per £5 spent
£0
19.9% p.a. (variable)
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).

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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.

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.
  • 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.

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although 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, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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2 Responses

  1. 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 Customer Care
      fayemanuelMay 29, 2019Staff

      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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