Top of main content

Earn Rewards with your credit card

As an existing M&S Credit Cardholder, spend on your credit card and enjoy the Rewards

Receive your M&S Credit Card Rewards digitally!

M&S Credit Card Rewards online allows you to access your Rewards vouchers and Bonus Offers in your Sparks account at marksandspencer.com or in the M&S app. You'll need to be registered for Sparks and M&S Bank Digital Banking.

Why go digital?

  • Get your Rewards vouchers earlier in the M&S app
  • Never lose a paper voucher again
  • Track how many Rewards points you have in the M&S app
  • Credit Card Rewards and personalised Sparks offers at your fingertips
  • Get reminders when your Rewards vouchers are available, so you never miss a thing
mobile with sparks rewards
£4 Rewards Vouchers

How do credit card Rewards work?

As an M&S Credit Cardholder you earn Rewards points* every time you spend on your M&S Credit Card, which will be converted into M&S Rewards vouchers for you to spend in M&S stores or online.

For every £1 spent in M&S, you'll earn 1 point For every £5 spent outside of M&S you'll earn 1 point. 100 Rewards points = £1. When you reach 200 Reward points you will receive a Rewards voucher, these are sent out every quarter (see below for more details).

† Based on the M&S Credit Card offer, excluding any additional offers.

3x BONUS OFFER  when you buy food,  wine & flowers

What are Bonus Offers?

As a credit card loyalty customer, you may receive Bonus Offers as part of your quarterly rewards mailing in addition to any Rewards vouchers you have earned.

The offers are a way for you to benefit further from the loyalty programme and earn extra Reward points.

When do I receive my Rewards?

Digital Rewards

  • Rewards vouchers are usually available in your Sparks Account in: March, June, September and December.
  • Bonus Offers are usually available in your Sparks Account in: February, May, August and November.

Paper Rewards

  • Paper Rewards vouchers and Bonus offers are sent at the same time and usually arrive in the post in: February, May, August and November.

Need more support with your rewards?

Not an M&S Credit Cardholder?

Apply now to start earning your rewards. Credit is subject to status. T&C's apply. Representative 24.9% APR variable

Club Rewards logo - Giving you more of the things you love

M&S Club Rewards

Enjoy more of what M&S has to offer by subscribing to M&S Club Rewards for just £10 a month

*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.

Important documents

You may require Adobe PDF reader to view PDF documents. Download Adobe Reader

Set up digital banking for your credit card or Everyday Savings Account, and access your accounts safely and securely at your convenience.