font loading for Top nav

Celebrating Loyalty With Sparks

Club Rewards

Choose to upgrade your M&S Credit card Rewards offer to Club Rewards to get 2 months membership refunded*. Normally £10 per month. Exclusively for Sparks members who upgrade before 23rd December.

View all benefits

Upgrade to Club Rewards

Receive benefits worth on average
£240 per year for just £10 a month

 

Club Rewards is exclusive to M&S
Credit Card customers

Club Rewards membership is provided subject to T&Cs by Marks & Spencer Financial Services plc

 

Close

Club Rewards

Exclusive upgrade for M&S Credit Card holders

Choose to upgrade your M&S Credit Card to Club Rewards and receive benefits worth on average £240 per year including next-day delivery* on full price clothing, home and beauty, for just £10 per month

Get all these extra benefits when you sign up for Club Rewards

Double points

We’ll refund your 3rd and 6th month’s membership – that’s £20 back to you*

Double points

M&S next day-delivery at no extra cost**

Double points

32 hot drinks from your M&S Café saving on average £88 per year

Double points

£65 M&S Vouchers annually

12 months 0% interest on transfers

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

0% interest on shopping

Earn 3 points for every £1 you spend abroad on purchases made in local currency- fees apply

Double points

A Reward on your birthday

All for £10 per month

All for £10 per month

Representative example

19.9%

Purchase rate p.a.
(Variable)

19.9% APR

Representative
(Variable)

£1,200

Assumed
credit limit

Already have an M&S Credit Card?

Upgrade to Club Rewards

Terms and Conditions

*M&S Club Rewards is a package of benefits exclusively available to M&S Credit Card customers. M&S Credit Cards and Club Rewards membership are provided subject to T&Cs by Marks & Spencer Financial Services plc, Chester CH99 9FB. Offer only available to customers applying through the Sparks Hub. Two months of Club Rewards fees will be refunded for months three and six. You must be a Club Rewards member at the time of the Club Rewards fee refunds. Offer ends 23 December 2021. Club Rewards is a subscription that can be ended at any time. Offer can be withdrawn at any time without notice.

**For purchases made online at marksandspencer.com 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 marksandspencer.com 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 marksandspencer.com 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 marksandspencer.com/c/help/delivery for more information. Some locations may be excluded and delivery slots may be limited.

^As an M&S Credit Card customer, you earn one Rewards Point for every £1 spent in M&S (2 Rewards Points if you’re an M&S Credit Card Rewards Offer customer within your 12-month introductory period). With M&S Club Rewards, you’ll earn an extra 2 Rewards Points per £1 spent in M&S (a total of 3 Rewards Points per £1, or 4 if you’re a Rewards Offer customer within your introductory period). M&S Rewards Points can’t be earned on M&S Travel Money or M&S gift cards or vouchers, Loyalty Scheme T&Cs apply.

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 and 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).

M&S Club Rewards is a package of benefits exclusively available to M&S Credit Card customers. Club Rewards membership is provided subject to T&Cs by Marks & Spencer Financial Services plc.

Not what you were looking for?

Our other Credit Card offers may be more suitable for you. Use your 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 marksandspencer.com or in any M&S store.

  • The temporary card details we’ll send you:

    • Can be used to spend up to £500 at marksandspencer.com 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.

T&Cs

*Two months of Club Rewards subscription fees will be refunded for months three and six. You must be a Club Rewards member and an M&S Credit Cardholder at the time of the Club Rewards subscription fee refunds, fee refunds are processed and applied to your M&S Credit Card in months four and seven of Club Rewards membership. Offer ends 23 December 2021. 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 refunds are processed, you will not be eligible to receive the full refund. This offer can be withdrawn at any time without notice. M&S Club Rewards is a package of benefits exclusively available to M&S Credit Card customers. M&S Credit Cards and Club Rewards membership are provided subject to T&Cs by Marks & Spencer Financial Services plc, Chester CH99 9FB. Offer only available to customers applying through the Sparks Hub.

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. AC58497