M&S Rewards

With extra bonus points added to the ones you collect every day, your points total will increase quickly – giving you even more to spend on your favourite things instore.

Everyday payments

From a shopping spree at M&S to buying books online, you'll collect M&S points whenever (and wherever) you shop with your M&S Credit Card. You'll also collect points when you use your M&S Chargecard to shop at M&S.

Bonus point offers

To help boost your points total, we'll send you offers that give you bonus points when you shop at M&S – or when you buy M&S Money products like home, car or pet insurance.

You'll receive all kinds of different bonus point offers, such as:

• double or triple points when you spend on food, clothes or homeware
• 500 bonus points when you shop at M&S online
• 1,000 bonus points if you take out M&S Home Insurance

We'll let you know about our latest bonus point offers by post, email and when you sign in to My Money Accounts. Simply bring the offer details with you when you shop at M&S – or use the offer code when you order online or over the phone.

Get another M&S card

You'll collect even more points if you get another M&S Credit Card (or Chargecard) for your partner to use. As long as you both live at the same address, you can get an extra card by calling us on 0845 900 0900.

Join M&S Premium Club

As a member of M&S Premium Club you'll collect 3 points for every £1 you spend at M&S. You'll also receive exclusive bonus point offers – and extra benefits like worldwide travel insurance for your family, drinks in M&S Cafés and special treats on your birthday – all for just £10 a month, for an initial 12 months.

Please be aware that M&S Points cannot be earned on cash advances, balance transfers, interest charges, Marks & Spencer Travel Money, foreign exchange purchases or other items we decide not to include in the programme at our absolute discretion.