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Boost your M&S Credit Card with Club Rewards

Make your M&S Credit Card more rewarding when you subscribe to Club Rewards. Enjoy enhanced benefits that could be worth £240 a year1, for just £10 a month.

Credit is subject to status. M&S plc acts as a credit broker not a lender.

Offer ends 10th October 2023. £20 e-gift card will be received within 60 days of subscribing.
Club Rewards angled card
Offer ends 10th October 2023. £20 e-gift card will be received within 60 days of subscribing.

23.9% APR

Representative (variable)

Join to Enjoy these extra benefits


£65 in M&S Vouchers

We'll send you one £20 M&S Voucher and three £15 M&S Vouchers a year to spend online or in-store.


Next day delivery at no extra cost2

On full-price Clothing, Home and Beauty purchases at M&S online.

Not available in some locations e.g Northern Ireland and Guernsey.


32 hot drinks vouchers

Get 32 vouchers to spend on any sized hot drink at M&S Café, saving you an average of £88 a year.


2 extra Rewards Points

Per £1 spent at M&S3 on top of the Rewards Points you earn already when using your card online and in-store.


Collect Points abroad4

Receive 3 points for every £1 spent on purchases made abroad in the local currency (fees apply).

A reward on your birthday

Enjoy an M&S Voucher from us to spend at M&S on your birthday.


Calculate how much you'll get back each year to enjoy in M&S Vouchers with a Club Rewards subscription

Monthly spend at M&S

Online and in-store

Rewards Points: 0

Monthly spend elsewhere

(e.g. petrol, shopping, travelling)

Rewards Points: 0

Voucher amount

Per year


Total Rewards Points: 0

With Club Rewards you'll get 2 extra Rewards Points per £1 spent at M&S 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 Vouchers.


In just 3 rewarding steps you can become a Club Rewards member and benefit every time you shop!

1. Apply for an M&S Credit Card
2. Sign up for Club Rewards
3. Unlock enhanced benefits*

How to shop straight away

If your application is accepted, we'll send temporary card details to you via email. We'll send your M&S Credit Card in the post but in the meantime, you'll be able to spend up to £500 online at or in any M&S store.

Terms & Conditions

Marks and Spencer plc, Waterside House, 35 North Wharf Road, London W2 1NW acts as a credit broker and not a lender. Authorised and regulated by the Financial Conduct Authority (Register no. 718711). Credit is provided subject to status by Marks & Spencer Financial Services plc to UK residents aged 18 or over.

M&S Club Rewards is a paid subscription exclusively available to M&S Credit Card customers. The M&S Credit Card and M&S Club Rewards membership are provided subject to separate T&Cs by Marks & Spencer Financial Services plc, Chester CH99 9FB. Club Rewards £20 e-gift offer only available to customers applying in store via a QR code or online via a banner/email promoting the offer. If you apply for Club Rewards at the same time as the Credit Card, you will need to first be approved for the Credit Card. Your £20 e-gift card will be sent to you by email from M&S plc within 60 days of you being accepted. To receive your £20 e-gift card you must have a valid email address held on your M&S Credit Card account. Restrictions apply. Club Rewards is a subscription that can be ended at any time and will not damage your credit. If you choose to end the subscription before the e-gift card is processed, you will not be eligible to receive it. Offer can be withdrawn at any time. Offer ends 10th October 2023.

1Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 6 next day deliveries, Points earned from £1,000 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.

2For purchases made online at you will be eligible for next day delivery at no extra cost. This will not apply to food, hampers, wine, flowers, furniture and items described as on sale. You need to have a account, set up in your name, to enjoy this benefit. Your account will usually be updated to include next day delivery within 6 working days of you opening both Club Rewards and your account. Only available to the main Club Rewards member. Your Club Rewards welcome pack will include two one-time promotion codes to use until the benefit is applied to your account. Once set up, each time you order online simply select next/nominated day delivery at checkout, and we'll automatically deduct the cost of delivery when you pay. Subject to availability and Marks and Spencer next day delivery terms and conditions. Visit for more information. Not available in some locations e.g. Northern Ireland and Guernsey and delivery slots may be limited.

3As an M&S Credit Card customer, you earn one Rewards Points for every £1 spent in M&S (two Rewards Points per £1 if you are an M&S Credit Card Rewards offer customer within your 
12-month introductory period). With M&S Club Rewards, you’ll earn an extra two Rewards Points per £1 spent in M&S (a total of three Rewards Points per £1, or four if you’re a Rewards offer customer still within your introductory period). M&S Rewards Points can’t be earned on purchases of foreign currency (including M&S Travel Money), or M&S gift cards or vouchers.

4When you pay using your card abroad a fee of 2.99% of the transaction amount in Sterling will apply to any purchase made in a foreign currency.

*£20 M&S e-gift card offer only eligible for existing M&S Credit Card holders