Credit Card Rewards FAQs

About Credit Card Rewards

What is M&S Credit Card 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.

Registering

When I’m registering, how do I get an M&S Bank security code?

Just open your M&S Bank app – click on Generate security code, then click on Internet Banking – Sign in code. You can then generate your security code.

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.

Accessing my Rewards account

Can I receive my Club Rewards in my Sparks account?

Club Rewards aren’t available in your M&S Sparks account yet, but we’re working on it.

Can I link someone else’s Sparks account to my M&S Bank Credit Card account?

No – you can only link an account in your name. Find out more about joining Sparks.

If I update my personal details with M&S Bank, will my details be updated automatically in my Sparks account?

No – any personal details changed with M&S Bank won’t be updated in your Sparks account. You’ll need to update your details separately in each account.

If I update my personal details in my Sparks account, will my details be updated automatically with M&S Bank?

No – any personal details changed in your Sparks account won’t be updated with M&S Bank. You’ll need to update your details separately in each account.

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 Sparks account.

Reward vouchers and Bonus offers

Will I still get my Rewards vouchers or Bonus Offers in the post?

No – if you’re registered, you’ll now see your live Rewards vouchers and Bonus Offers in your Sparks 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 Sparks account. Bonus Offers and Rewards vouchers are single use. This means you can’t use the Rewards in your paper mailer as well as in your Sparks 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.

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. You’ll also see any available Bonus Offers. It may take 1-2 days for these to appear in your Sparks account.

When I’m buying in store, does it matter when I scan my rewards?

Yes. Just like now, use your Sparks card and your Bonus Offers while you’re scanning your items. To use your Rewards vouchers, remember to select ‘Loyalty vouchers’ when it’s time to pay.

How can I use my Rewards vouchers and Bonus Offers online at marksandspencer.com and on the M&S app?

When you shop online at marksandspencer.com or on the M&S app, you can apply your Rewards vouchers and Bonus Offers at the checkout. Look out for your Rewards vouchers and Bonus Offers in the payment section, and simply choose the ones you’d like to use.

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.

Why don’t I have any Rewards vouchers in my Sparks account?

You need at least 200 M&S Rewards points to receive Rewards vouchers. Any valid Bonus Offers will be made available in your Sparks account. Rewards vouchers and Bonus Offers will be added quarterly.

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.

How often will I receive Rewards in my Sparks account?

Your M&S Rewards points will be converted to Rewards vouchers four times a year, usually in March, June, September and December.

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 Sparks 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.