M&S Club Rewards

For just £10 a month

M&S Club Rewards is exclusively available to M&S Credit Cardholders. If you do not hold an M&S Credit Card, you will need to successfully apply for one before you can open M&S Club Rewards. Credit is subject to status. T&Cs apply.

(Representative 24.9% APR Variable).

For full details of M&S Club Rewards benefits, view our terms and conditions.

Apply now

Not an M&S Bank Credit Cardholder

Before starting your application, it is important that you read the before you apply section below.

Before you apply

Before starting your application, it is important that you read the information below.

Eligibility criteria

To apply for M&S Club Rewards you must:

be over 18 years old
be a UK resident (excluding Channel Islands and Isle of Man) for the duration of the period in which you hold the product
already have an M&S Credit Card and be the main cardholder. If you don't have an M&S Credit Card you can find out more and apply today

What you'll be asked for

During your application we will need your:

M&S Credit Card number
Residential address
Email address

Important information

Please read the following information:

A £10 monthly fee is payable for M&S Club Rewards. This monthly fee will initially be charged to your M&S Credit Card account on the day that you agree to join M&S Club Rewards and then on the same date each month thereafter. Your Club Rewards membership does not have a fixed term. It will continue until cancelled by you or us.

Because you can collect M&S Rewards points every time you shop with your M&S Credit Card, your Rewards can quickly add up. Find out more about how M&S Rewards you. Your M&S Rewards points will be converted into M&S vouchers up to 4 times a year and are sent to you, either in the post or available in your Sparks account at marksandspencer.com or in the M&S app. M&S Rewards vouchers are valid for up to 17 months, so you can spend them straightaway or save them until later - the choice is yours.

You have the right to change your mind and cancel your M&S Club Rewards membership within 14 days of receiving your M&S Club Rewards welcome pack. To exercise the right to cancel, you must inform us using a clear statement (e.g. a letter sent by post, email, or calling us on 0345 900 0900). You may use the online cancellation form, but do not have to. To meet the cancellation deadline, it is sufficient for you to send your communication before the cancellation period has expired.

If you cancel, the agreement will end and we will refund you in full, including fees you have paid, as soon as we can, and not later than 14 days after the day on which you tell us you want to cancel. We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise. You will not incur any fees as a result of the reimbursement.

Note: If you receive your Credit Card Rewards vouchers digitally, please be aware that you will still receive your Club Rewards vouchers by post.

Important documents

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Apply now

Please note: Your welcome pack will be sent to you via email, within 10 days of account opening.

For just £10 a month

Before you apply

Eligibility criteria

What you'll be asked for

Important information

Fee & Term

Collecting M&S Rewards points

Cancellation rights

Important documents

Digital banking