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Enjoy fantastic benefits with the M&S Credit Card Rewards offer. And as an M&S Credit Cardholder, you'll be eligible to sign up for M&S Club Rewards to get even more benefits.

Enjoy all these benefits

No monthly fee
£30 voucher

Get £30 to spend at M&S

Spend £100 in the first 90 days of opening your account and earn 3,000 Rewards Points, worth £30 in M&S vouchers †

Double points

Double points on M&S purchases

Everytime you use your card when you shop at M&S in store or online**

Reward points

Rewards Points everytime

You’ll earn 1 Rewards Point for every £5 you spend elsewhere

0% interest on shopping

0% interest on shopping

Pay at least the minimum amount due each month and you won't pay any interest for the first 12 months^

12 months 0% interest on transfers

12 months 0% interest on balance transfers

Made within 90 days of account opening (2.9% fee applies, minimum £5)^

Representative example
19.9%Purchase rate p.a. (variable) 19.9% APRRepresentative variable £1,200Assumed credit limit

M&S Credit Card Rewards Offer


Extra benefits available to club rewards members

Just £10 a month
Free next day delivery

M&S next day delivery

Next day delivery is included* with Club Rewards when you order on M& Exclusions apply

Quadruple points shopping at M&S

Earn 2 extra points per £1 spent at M&S

Everytime you use your card when you shop at M&S in store or online**

Triple points on overseas shopping

Extra Rewards Points abroad

3 points for every £1 you spend abroad on purchases made in the local currency

£65 voucher

£65 vouchers to use

£65 just for you. 3 x £15 and 1 x £20 voucher per year

Birthday gift

A Reward on your birthday

A voucher from us to celebrate your special day

32 Hot drinks

32 hot drinks from your M&S Café

Hot drink vouchers to use throughout the year

Club Rewards is exclusive to M&S Credit Card customers

Don’t have an M&S Credit Card?

You'll need to successfully apply for one and sign up for Club Rewards once you've completed your application

M&S Credit Card Rewards Offer


Already have an M&S Credit Card?

Sign up to Club Rewards

Use your Credit Card to shop at M&S 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.

  • The temporary card details we’ll send you:

    • Can be used to spend up to £500 at or in any M&S store (but you won't be able to use them anywhere else). If you're using them in store, you'll need a secondary form of ID and the email including your temporary card number
    • Can be used for 5 days including the day you open your account
    • Can't be used to purchase M&S gift cards

    Any amount you spend using your temporary card details will appear on your first statement.

    When your new M&S Credit Card arrives in the post, you'll be able to use it elsewhere (including in store and at other retailers), up to your credit limit.

*For 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 to enjoy this benefit. We will update your account to include next day delivery within 6 working days of you opening Club Rewards or your account, whichever is the latter. Your welcome pack will include two one-time 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.

**If you are an M&S Credit Card Rewards offer customer, you will earn 2 Rewards Points per £1 spent in M&S for the first 12 months. If you are also an M&S Club Rewards or an M&S Premium Current Account customer, you’ll earn an additional 2 Rewards Points per £1 spent in M&S (total of 4 Rewards Points).  At the end of the introductory Rewards offer period you will revert to earning 1 Reward Point per £1 spent at M&S, in addition to your M&S Club Rewards or M&S Premium Current Account points earn an extra 2 Rewards Points per £1 spent at M&S (total of 3 Rewards Points).  M&S Rewards Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S gift cards or vouchers.

^At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate

† Spend £100 on purchases using your M&S Credit Card, Rewards offer in the first 90 days and earn 3,000 Rewards Points worth £30 in M&S vouchers. Vouchers will be received within 6 months of meeting the spend requirement, with your next or subsequent quarterly loyalty mailing. Points can't be earned on purchases of foreign currency (including M&S Travel Money) or M&S vouchers. Offer available to new customers only, you must not have held an M&S Credit Card within the last 12 months. Offer ends 2 October 2021. The full offer T&Cs can be seen here.

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 for the M&S Credit Card is provided subject to status by Marks & Spencer Financial Services plc, Kings Meadow, Chester, CH99 9FB. Authorised by the Prudential Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. 151427).