M&S Rewards

You’ll collect M&S points every time you use your M&S Credit Card or Chargecard. Your points will be converted into Reward Vouchers every three months. And you can use your vouchers as full or part payment for anything you like at M&S.

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 instore.

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)

Apply for an M&S Credit Card

Apply now

or call 0800 997 996

M&S Premium Club

Membership includes triple points on your M&S shopping instore and online.

Find out how to join

Checking your points

Register for My Money Accounts and keep an eye on your points total online.

How to register

Get another M&S Card

You'll collect even more points if you get another card for your partner to use (as long as you live at the same address).

Call us on 0845 900 0900.

M&S Insurance

As an M&S Cardholder you can earn combined rewards worth up to £50 when you buy M&S Insurance.

View the Insurance range