What are Credit Card Rewards?
Access Rewards Online
Enjoy Rewards vouchers in one place by linking your M&S Credit Card and your M&S account
Keep track of your Rewards points and history in the M&S App or online
Digital vouchers last longer and are always ready to use in store or online
Never lose a paper voucher again
Sign up for Digital Rewards in 3 steps
1
From your mobile device, tap “Learn More” button
You'll be asked to sign into your M&S account. If you don't already have one, you can create one here
2
Transfer to M&S Banking App
You'll be asked to sign in to the M&S Banking App. If you need to download and register, you can do this here
3
Submit your request and we'll do the rest
Your M&S Credit Card and Sparks accounts will link, and you'll see your Rewards and points in the M&S App
Make the most of your Rewards
Learn how to access your Rewards whether you receive paper or digital Rewards vouchers
View your points balance and Rewards
Redeem your Rewards
Here to help
Frequently asked questions about Credit Card Rewards
General FAQs
What is Sparks?
Sparks is our M&S customer reward scheme, giving you the chance to earn money into your digital Sparks wallet when you shop personalised offers. Enjoy an annual birthday treat and a free hot drink from our cafe, and every time you scan your Sparks card, we'll donate to a charity of your choice. For more information, visit marksandspencer.com/help-and-support/loyalty-and-rewardsWhat is the M&S Credit Card loyalty programme?
The M&S Credit Card loyalty programme rewards you when you spend on your M&S Credit Card. You'll earn points and these points turn into Rewards Vouchers which you can spend at M&S. If you're signed up for Digital Rewards, everything that you need is at your fingertips in Sparks on the M&S app - and you'll also get access to additional treats and offers.Will I get extra loyalty benefits when I've signed up for Digital Rewards with my M&S Credit Card?
Yes - you'll get 24/7 immediate access to:- Your Rewards Vouchers (including a digital version of any already sent in the post and haven't yet been used - so remember to destroy the paper copies as the vouchers only work once)
- Your up-to-date M&S points balance
- Your quarterly Rewards statements
- And the special offers and treats that we serve to our Digital Rewards customers from time to time
Are there any restrictions on earning Credit Card Rewards Points?
Each time you shop at using your M&S Credit Card, you could be earning Rewards Points. The M&S Credit Card Loyalty Programme Terms and Conditions will let you know how many Points you can earn.There are some exclusions to be aware of - at present:
- You won't earn any Points on Balance Transfers, cash advances, or cash related payments (this includes Travel Money)
- You'll earn 1 point for every £5 spent when you shop with one of our partners at M&S - because they own the tills and checkout systems:
- M&S Opticians
- M&S Insurance
- M&S Franchise Stores (some)
- M&S in an Outlet Store (some)
- Mamas & Papas in an M&S Store
- M&S products at ocado.com
- M&S products at a BP or Applegreen station
Receiving your Credit Card Rewards
How can I receive Credit Card Rewards vouchers online?
You can access your M&S Credit Card Rewards vouchers in the Sparks area of the M&S App or at marksandspencer.com. To do this, link your Sparks account with your M&S Credit Card in your account settings. Once they're linked, you'll be able to view and use your Rewards vouchers digitally via the M&S App.When will I receive my Rewards vouchers online?
Rewards vouchers are issued four times a year - in March, June, September, and December, if you've earned at least 200 points. Digital vouchers will appear in the Sparks area of the M&S App or at marksandspencer.com. Just make sure you're logged in with the account linked to your M&S Credit Card.Will I still get my Rewards vouchers in the post?
No - if you've registered to receive your Rewards online, you'll now see your live Rewards vouchers in your M&S account. However, if you register after your quarterly mailer has been prepared, you may receive one final mailer. Rewards in your paper mailer are the same as Rewards in your M&S account. Rewards vouchers are single use. This means you can't use the Rewards in your paper mailer as well as in your M&S account.What should I do if I have received Credit Card Rewards online and I also receive my quarterly mailer?
Due to printing timings, you may still receive a quarterly mailer after you receive Credit Card Rewards online. You can't use both paper and online vouchers - each voucher can only be used once. Please destroy and recycle your paper vouchers.Why did I receive vouchers in the post after switching to online?
During the transition, you may temporarily receive both paper and digital vouchers. Each voucher code is unique and can only be used once. Redeeming one version (either the paper or online) automatically invalidates the other.Please note that Club Rewards customers will continue to receive all additional vouchers by post, (e.g., hot drinks vouchers, birthday treats, Fashion, Home & Beauty vouchers), with the exception of the Welcome Pack, which will be delivered online.
How long is my M&S Credit Cards Rewards Voucher valid for/when will it expire?
You have up to 17 months to use an M&S Credit Card Rewards Voucher if you're signed upto Digital Rewards - you can see how many days you have left to use them by viewing them in the Sparks section of your M&S App, and tapping on "full details".For Rewards Vouchers sent to your home address, you have up to 15 months to use them - the expiry date is printed on each Voucher.
Do paper Rewards vouchers expire?
Yes. Paper vouchers are valid for 15 months. Online vouchers are valid for 17 months. These are issued earlier, giving you more time to use them.Accessing and managing your Rewards
Where do I find my M&S Credit Card Rewards Points balance?
If you're signed upto Digital Rewards, you can find these 24/7 just underneath your Sparks wallet in the M&S App; your points are updated daily, but it can take 2-3 days for updates to your points to show.Your balance is also printed on your till receipts (paper copy or digital copy) when you shop in store.
And once a quarter we also send your quarterly points balance - this can be found in your Sparks on M&S App if you're signed up to Digital Rewards, or, if you're still receiving your M&S Rewards Vouchers in the post, it's printed in your quarterly Rewards mailpack.
When and where can I find my M&S Credit Card Rewards Vouchers?
If you've signed upto Digital Rewards, you'll find them in your Sparks on the M&S App; simply click on "view" in the "Credit Card rewards" section at the top of "your wallet". They'll also appear at check-out if you're shopping online.Once earned we serve them in December, March, June and September - and the good news is they're easy to use but impossible to lose (but make sure you spend them before they expire).
If you're still receiving your Rewards vouchers in the post, once earned they'll reach you in February, May, August and November so keep them somewhere safe.
What Rewards will I see when I join?
You'll see your available Rewards vouchers and how they've been earned on your M&S Credit Card. It may take 1-2 days for these to appear in your M&S account.Why don't I have any Rewards vouchers in my M&S account?
You need at least 200 M&S Rewards points to receive Rewards vouchers. Rewards vouchers will be added quarterly.How quickly will I see my current M&S Rewards points balance update?
Because of payment processing times it may take up to 48 hours between your transaction on your M&S Credit Card, and your M&S Rewards points being updated.Why has the points earnings period ended, but I haven't yet received my M&S Rewards vouchers in my M&S account?
There may be a delay while your points are being converted to M&S Rewards vouchers, this processing time is normal and to be expected.What happens to my Rewards vouchers if I close my M&S Credit Card?
If you close your M&S Credit Card, you'll still be able to access your live Rewards vouchers in your M&S account.I've got a query with my M&S Credit Card Rewards Points balance?
You can find your Rewards Points balance on your till receipt, or, if you've signed up to Digital Rewards, in your Sparks on the M&S App. If you've got further queries, contact the M&S Bank Customer service team as they'll be able to help.I've got a query with my M&S Credit Card Rewards Vouchers?
You can spend your Rewards Vouchers in store or online - you'll find the expiry date printed on the paper vouchers, or the number of days left to earn by tapping "Full Details" on the Voucher if you've signed up to Digital Rewards. Your Voucher can only be used once, so if it doesn't work when you're checking out at the till or online, it's likely that you've already used it or it's expired. If you've got further queries, contact the M&S Bank Customer Services as they'll be able to help.Using your Rewards vouchers
When I'm buying in store, does it matter when I scan my Rewards vouchers?
Yes. To redeem your Rewards vouchers:At traditional tills
- After scanning your items, you can apply your Rewards vouchers during the payment process before you complete checkout
Are there any products I can't pay for with Rewards vouchers?
You can't use Rewards vouchers to pay for M&S gift vouchers, gift cards, e-gift cards, M&S Travel Money, foreign exchange purchases, cash advances/withdrawals or lottery tickets. M&S Rewards vouchers cannot be used to pay your M&S Credit Card account. Find out more about Rewards vouchers restrictions.Can I return items I’ve bought with Rewards vouchers?
Yes - when you purchase with Rewards vouchers and return/refund in store, you’ll be issued with a credit note to spend at M&S. If you purchase with Rewards vouchers and return/refund at one of our Simply Foods stores or on the M&S website, you’ll be issued a gift card to spend at M&S.Can I switch back to paper vouchers?
Yes. Once your Sparks and Credit Card accounts are linked, you can update your delivery preferences in the M&S app:1. Open your Sparks account
2. Tap 'Credit Card Rewards' and scroll down to 'Receiving your Rewards'
3. Tap 'Change' and select your preferred option: 'In your Sparks account' or 'Quarterly by post'
4. Tap 'Update' and then select 'Apply Change'
Can I use an M&S Credit Card Rewards Voucher at the same time as my Sparks Card to pay for my goods?
Yes, you can.There's no change to how you spend your Vouchers when you're in store or shopping online, you can still use them to pay alongside your Sparks card balance, M&S Gift Cards, M&S Credit Card or any other way you wish to pay.
To spend your Digital Rewards Vouchers:
- When shopping in store, scan your Sparks card or Barcode, and then tap the "pay" button and scan the Rewards Voucher(s) you wish to use
- When shopping online, select the Rewards Voucher(s) you wish to use or tap in the code when you checkout
To spend your Rewards Vouchers sent in the post:
- When shopping in store, tap the "pay" button at the till and scan the Rewards Voucher(s) you wish to use
- When shopping online, tap in the code shown on your Voucher when you checkout
Remember, your Rewards Vouchers can only be used once, and they won't work after the expiry date.
Your Digital Rewards Treats & Offers
What special offers and treats can I look forward to as an M&S Credit Card customer signed up to Digital Rewards - and when will I get them?
Keep an eye on your Sparks in the M&S App for the things you can look forward to. In addition to the offers and treats that we serve to our Sparks members, as long as your Credit Card account remains open and up-to-date you'll find the following:- Access to our premium range of Sparks birthday treats - as long as your date of birth is held in the profile section of your M&S account. If you've only recently updated your date of birth, bear with us as it can take some time for our records to update, and if you've registered it within 35 days of your birthday you might not receive a treat this year
- A little treat to thank you for another year with us - sent every year around the month of your Credit Card anniversary (when you opened your Credit Card account)
- Possibly a free gift - just because
- And as we know you love our Bonus Point Offers, we've brought back the opportunity for you to earn more M&S points, which will then turn into Rewards vouchers that you can spend in M&S
How do I qualify for the special offers and treats as an M&S Credit Card customer?
In addition to the offers and treats that we give to our Sparks members, you might qualify for even more if you hold an M&S Credit Card.Firstly, you'll need to be signed up for Digital Rewards with your M&S Credit Card. If you've not already done this, it's an easy process and involves signing in (or up) to both your M&S and M&S Banking App so that you can connect your Sparks account to your Credit Card account. Find out more here: marksandspencer.com/digital-rewards
Once you're signed up for Digital Rewards, as long as your Credit Card account remains open and up-to-date, you'll automatically qualify for our special offers and treats.
I'm an M&S Credit Card customer and I'm signed up for Digital Rewards - how will I know if I've got the best of the Sparks birthday treats?
You can find out more about the Birthday Treats from Sparks here: https://www.marksandspencer.com/help-and-support/loyalty-and-rewards#intid=help_lp_txt_how-can-we-help_loyalty-and-rewards. The Birthday Treat offer displayed in the M&S App will show if you've been selected to choose from our premium (best) range of treats.I'm an M&S Credit Card customer and I'm signed up to Digital Rewards but when I tried to claim my birthday treat in store I wasn't able to
You can find out more about the Birthday Treats from Sparks here: https://www.marksandspencer.com/help-and-support/loyalty-and-rewards#intid=help_lp_txt_how-can-we-help_loyalty-and-rewards. All treats are subject to availability and if necessary, may be substituted by M&S. Benefits are non-exchangeable, non-transferable and no cash alternative is offered.I'm an M&S Credit Card customer and I'm signed up to Digital Rewards but I wasn't given a birthday treat?
You can find out more about the Birthday Treats from Sparks here: https://www.marksandspencer.com/help-and-support/loyalty-and-rewards#intid=help_lp_txt_how-can-we-help_loyalty-and-rewards. If you're still in need of help, our Customer Services team will be able to support you.Can you tell me more about the Anniversary Treat that's available to me as an M&S Credit Card customer signed up to Digital Rewards?
Yes, every year around the month of your Credit Card anniversary (when you opened your Credit Card account), as long as you're still signed up to Digital Rewards and your credit card is still open and up-to-date, we'll give you a little treat in your Sparks - just to say thanks.The treat will vary from time to time, and we'll give you all of the information you need (what it is, how long you have to use it, what it includes etc) when we serve it to you.
How do I know when my Credit Card Anniversary is?
We've got this held in our records, so we'll be in touch when it's time for your treat. Your anniversary is around the time that M&S Bank sends you your annual credit card statement, so if you can remember this it will give you a hint.I'm an M&S Credit Card customer and I'm signed up to Digital Rewards - but when I tried to use my credit card anniversary treat / discount I wasn't able to?
There are terms and conditions attached to the offer, so first of all have a look at them to see if the items you were buying were included in the offer.If you still think there is a problem, our Customer Services team at M&S would love to help so get in touch.
I'm an M&S Credit Card customer and I'm signed up to Digital Rewards - but my credit card anniversary discount was applied on a shop that I didn't want it to?
The discount takes effect on the shop immediately after activating the offer.If you still think there is a problem, our Customer Services team at M&S would love to help so get in touch.
Can you tell me more about the Free gift that's available to me as an M&S Credit Card customer signed up to Digital Rewards?
Yes, as long as you're still signed up to Digital Rewards and your credit card is still open and up-to-date, from time to time we might give you a little treat in your Sparks - because why not?What it will be, we can't say right now - but we'll give you all of the information you need (what it is, how long you have to use it, what it includes etc) when we serve it to you through the M&S App.
I'm an M&S Credit Card customer and I'm signed up to Digital Rewards - but when I tried to claim my free gift in store I wasn't able to?
All treats are subject to availability and if necessary, may be substituted by M&S. Benefits are non-exchangeable, non-transferable and no cash alternative is offered.Can you tell me more about the extra Points Offer that's available to me as an M&S Credit Card customer signed up to Digital Rewards?
Yes, as long as you're still signed up to Digital Rewards and your credit card is still open and up-to-date, from time to time we might offer you the chance to earn more M&S points when you shop.The offer will explain what you can earn and how you can earn it. We'll give you all of the information you need (what it is, how long you have to use it, what it includes etc) when we serve it to you.
I'm an M&S Credit Card customer and I'm signed up to Digital Rewards - I think I've spent enough to earn the extra points but I'm not sure if my Points have been awarded?
You'll see the offer in your Sparks until the expiry date, so even if you've already hit the spend target don't worry. We're unable to provide you with a progress bar on this offer at this time.Once the offer expires, it will disappear from the M&S App, and we'll then take a look at your total spend during the offer window - this takes into account the things you bought and also the things you've returned within the window.
As long as you hit the threshold specified, we'll then add the promised amount to your loyalty points balance. We'll aim to do this within a month of the offer window closing, and if you allow push notifications from us, we'll drop you a line once we've awarded the points. These points will then be converted into M&S Rewards Vouchers in line with the quarterly release.
Here's an example to show how this works on an offer that gives you the chance to earn 1,000 Rewards Points if you spend a total of £150 at M&S, using your M&S Credit Card, between 1st and 30th of June:
- You spend £50 in one shop first week of June
- You spend £250 in a second shop a week later
- You return £75 worth of items a week later
- We assess your account in the middle of July and find your total spend is £225
- We award your M&S points at the end of July (so you might spot your balance increase)
- We convert your points into Rewards Vouchers and serve them to you in December
If you think you've not been awarded the points that you've earned, get in touch with the Customer Services team at M&S Bank so we can check for you.
How long is my M&S Credit Cards Rewards Voucher valid for/when will it expire?
You have up to 17 months to use an M&S Credit Card Rewards Voucher if you're signed upto Digital Rewards - you can see how many days you have left to use them by viewing them in the Sparks section of your M&S App, and tapping on "full details".For Rewards Vouchers sent to your home address, you have up to 15 months to use them -the expiry date is printed on each Voucher.
Are there any restrictions on spending my Credit Card Rewards?
You can spend your Rewards on most things in M&S UK stores or online at marksandspencer.com - but there are some exceptions to be aware of - at present:- You can't spend your Rewards on M&S gift cards
- You can't spend your Rewards when shopping with one of our partners at M&S - because they own the tills and checkout systems:
- M&S Travel Money
- M&S Opticians
- M&S Insurance
- M&S Franchise Stores (some)
- M&S in an Outlet Store (some)
- Mamas & Papas in an M&S Store
- M&S products at ocado.com
- M&S products at a BP or Applegreen station
Help with your M&S App and your M&S account
Will I have to update to the latest version of the M&S app?
Yes - Credit Card Rewards aren't available on earlier versions of the M&S App, so you may need to update to the latest version. Don't have the M&S App yet? Learn moreWhen I'm registering, how do I get an M&S Bank security code?
Just open your M&S Banking App - click on Generate security code, then click on Internet Banking - Sign in code. You can then generate your security code. Don't have the M&S Banking App yet? Learn moreCan I receive my Club Rewards in my M&S account?
For the time being, treat and hot drink vouchers for Club Rewards customers will continue to be sent by post.What is the difference between Credit Card Rewards and Club Rewards?
M&S Credit Card Rewards allows you to earn Rewards points every time you spend on your M&S Credit Card. These points will be converted into Rewards vouchers for you to spend at M&S. Find out more about M&S Credit Card Rewards (200 Rewards points = £2 in M&S vouchers).Club Rewards is a subscription that gives you £120 in M&S vouchers across the year, giving you the cost of your 12-month subscription back, plus extra perks. M&S Club Rewards is exclusively available to M&S Credit Cardholders.