M&S Rewards
You'll collect M&S points every time you shop with your M&S Credit Card or Chargecard.
Our rewards scheme is simple
Spend
Use your M&S Credit Card wherever you see the MasterCard logo - at home and abroad.
Earn M&S points
1 point for every £1 spent at M&S or every £2 spent elsewhere
The more you use your card, the faster your points will add up. You can also collect extra points with the bonus offers you will receive.
Receive rewards
100 M&S points = £1 M&S Reward Voucher
Four times a year, we'll convert your points into M&S Reward Vouchers which we'll send to you to spend in store.
Treat yourself now – or save your vouchers for later
M&S Reward Vouchers are valid for 15 months. So you can treat yourself as soon as you receive them – or put them towards a big purchase like a new sofa, camera or Sat Nav system.
Checking your points
- online – by registering for My Money Accounts
- on your monthly card statement
- on your M&S till receipt (for items you've bought with your M&S Card)
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.
Apply for an M&S Credit Card
or call 0800 997 996
M&S Premium Club
Membership includes triple points on your M&S shopping in store and online.
Checking your points
Register for My Money Accounts and keep an eye on your points total online.
Activate your card
Before you shop with your new M&S Card, activate it online – it’s quick and easy.
Ask Hannah
Have a question about M&S Money’s products and services?
Just ask Hannah, our online virtual assistant.
Ask