M&S Credit Card Rewards | Collect Points As You Shop | M&S Bank (2024)

FAQs

Do you get points on a M&S credit card? ›

With an M&S Credit Card you will earn Rewards points every time you shop. If you are a member of M&S Club Rewards you'll receive 2 extra Rewards points per £1 spent in M&S when using your card online and in-store on top of the Rewards points you earn already!

M&S Rewards points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S rewards vouchers.

As an M&S Bank cardholder you earn Rewards points every time you spend. Those Rewards points turn into M&S Rewards vouchers up to four times a year, which are either sent to you in the post or are available in your Sparks account at marksandspencer.com or in the M&S app.

Through M&S Bank (operated by HSBC) we provide a range of financial services that create a rewarding shopping experience.

What are M&S credit card points worth? Earn 1 Rewards point for every £1 spent at M&S and 1 Rewards point for every £5 spent elsewhere. Once you accumulate 100 rewards points, you can redeem them for a £1 M&S voucher. However, you must have a minimum of 200 Rewards points to receive a Rewards voucher.

Once you're a member you can earn extra loyalty points, money-off M&S vouchers, free next day delivery and more. But you have to pay a pricey £10/mth fee, which means it's only worth it if you'll use the shopping vouchers or spend over £2,000/yr at the retailer - plus, you could earn more with other cashback cards.

As an M&S Bank cardholder you earn Rewards points every time you spend. Those Rewards points turn into M&S Rewards vouchers up to four times a year, which are either sent to you in the post or are available in your Sparks account at marksandspencer.com or in the M&S app.

0% Interest on purchases for 3 months

You can shop with your M&S Credit Card in millions of outlets, wherever you see the Mastercard logo.

You can use your M&S Credit Card to pay for goods and services wherever you see the MasterCard logo.

Does M&S do cash back? ›

You can use your M&S Sparks offers online, through their mobile app, or at your nearest Marks & Spencer store, although you can only earn cashback if you shop online (and it's easier too). With the Sparks loyalty scheme, you can enjoy little thank yous for shopping with M&S.

In general, NerdWallet recommends paying with a credit card whenever possible: Credit cards are safer to carry than cash and offer stronger fraud protections than debit. You can earn significant rewards without changing your spending habits. It's easier to track your spending.

M&S current accounts are now closed. Our M&S current accounts are now closed. If you held a credit balance less than £5, this will be donated to MIND charity unless you instructed us with alternative details to return the money to. If your balance was greater than £5, this would have been returned to you via a cheque.

Today, M&S Bank is a wholly owned subsidiary of HSBC UK, it has its own banking licence and its own Board.

If you make a transaction on your credit card that isn't in pound sterling, for example if you're shopping abroad or using an international website, you'll be charged a non-sterling transaction fee. The fee is currently 2.99% (minimum £3 for cash or cash related payments) and it applies on top of any other charge.

You can now enjoy the chance to get your shopping for free, alongside little treats and thank yous. Will I still collect Sparks points? No, there's no need to collect points. Simply shop with M&S and Sparks through our app, on M&S.com or in store and you'll start to see good things happen every time you shop.

At the end of each billing cycle, you can see your current rewards balance on your credit card statement. Many credit card companies also offer introductory bonus rewards to try to entice you to sign up.

Spencer's Smart Rewards is a program designed to reward all customers who enjoy shopping at Spencer's. Members of this program earn reward points every time they shop at Spencer's. Spencer's also launches exclusive promotions and benefits for program members from time to time.