Get exclusive perks, interest-free shopping, and M&S points with this powerful and flexible rewards credit card!

The M&S Rewards Credit Card is designed for shoppers who love practical benefits, loyalty perks, and interest-free periods. Here’s our complete and unbiased M&S Rewards Credit Card review.
Issued by M&S Bank, this card earns reward points that convert into vouchers redeemable at Marks & Spencer. It’s ideal for frequent shoppers looking for extra value on daily spending.
Alongside its loyalty system, the card features a 0% interest offer on purchases and transfers, no annual fee, and optional Club Rewards for added savings and lifestyle benefits.
Feature | Details |
Representative APR | 23.9% variable |
Intro Offer | 0% for 9 months on purchases & transfers |
Annual Fee | £0 (no yearly charge) |
Credit Limit | From £500 based on credit eligibility |
Is this a good option for me?
The M&S Rewards Credit Card is a loyalty-based card with real shopping benefits. If you’re a frequent M&S customer, it’s a solid companion for your wallet.
You earn points every time you shop, and M&S transforms those into vouchers. This system adds long-term value, especially for repeat buyers. This M&S Rewards Credit Card review highlights this unique benefit.
It’s also a beginner-friendly card with no annual fee and generous interest-free periods. That makes it suitable for budgeting purchases and managing existing balances smartly.
Exclusive reward system
Earn 5 points per £1 spent at M&S for the first six months. After that, you get 1 point per £1. Points are redeemable as M&S vouchers, issued quarterly.
Outside of M&S, you’ll still earn 1 point per £5 spent. The value here depends on how much you shop with M&S, but loyalty gets generously rewarded.
Flexible interest-free offers
This card includes a 0% interest period for 9 months on purchases and balance transfers. It’s ideal for spreading the cost of large purchases or refinancing other debts.
To benefit, transfers must be made within the first 90 days. A 3.49% fee applies. As noted in our M&S Rewards Credit Card review, this feature can help manage short-term finances smartly.
No annual fee and digital benefits
There’s no annual maintenance cost, which helps you keep long-term use affordable. M&S also offers digital vouchers and loyalty integration with your Sparks account.
You’ll receive up to four voucher issues per year, either digitally or by post. If you already use Sparks, this card makes your spending even more efficient.
Add family and earn more
Supplementary cardholders can be added if they’re 18 or older. All their purchases earn points too, allowing you to grow your rewards as a household.
This feature is excellent for shared budgets. Combine purchases under one account and maximise your reward potential. Great for families or partners who shop at M&S.
Club Rewards for power users
For £10/month, you can join M&S Club Rewards. You’ll receive bonus vouchers, extra drink coupons, and double points on all M&S purchases, which adds real ongoing value.
This premium package is perfect for power users who shop often. According to this M&S Rewards Credit Card review, it can easily pay for itself with consistent use.
Review the M&S Rewards Credit Card fees and interest rates
This card is transparent with fees and comes with a variable APR. As with all credit cards, rates depend on your profile and how you manage your balance.
This M&S Rewards Credit Card review confirms there’s no annual fee, but charges may apply for transfers, late payments, or cash advances.
Fees explained
🔹 Annual Fee: £0 – You won’t pay a yearly maintenance fee.
🔹 Balance Transfer Fee: 3.49% (min £5) – Only applies when transferring balances.
🔹 Late Payment Fee: Typically £12 if your payment is late. Avoid it by setting up a direct debit.
Interest Rates explained
🔸 Representative APR: 23.9% variable – Applies after intro period ends.
🔸 Purchase APR: 0% for 9 months; then your standard rate applies.
🔸 Balance Transfer APR: 0% for 9 months; then subject to standard APR.
What can this credit card do for me: pros and cons

There’s a lot to like about this card, especially if M&S is your go-to store. But there are also limitations based on where and how often you shop.
In this M&S Rewards Credit Card review we will show how perks can be excellent for M&S fans but less useful if you shop elsewhere often.
Pros
✅ High-value rewards for M&S purchases: Earn up to 5 points per £1 spent at M&S for the first 6 months, and 1 point thereafter. Points convert into vouchers, ideal for regular M&S shoppers.
✅ No annual fee: The card doesn’t charge any yearly maintenance fee, making it cost-effective for both casual and frequent users who want long-term value without recurring costs.
✅ Generous 0% intro period: You get 9 months interest-free on both purchases and balance transfers. It’s perfect for financing big buys or consolidating other card debt with time to repay.
✅ Club Rewards add-on for super users: For £10/month, users can unlock £120+ in annual vouchers, free hot drinks, and double points — offering strong ROI for loyal M&S customers.
✅ Flexible voucher redemption: Rewards are issued quarterly via digital Sparks account or postal vouchers, providing users with flexible options to redeem them in-store or online at M&S.
✅ Supplementary cards to boost points: You can add a second cardholder aged 18+, and their spending also earns points — ideal for households wanting to pool everyday spending into shared rewards.
✅ No cash advance fee on M&S Travel Money: Using the card to buy foreign currency from M&S Travel Money doesn’t trigger a cash advance fee, unlike most UK credit cards.
✅ Digital integration with Sparks loyalty: Rewards link directly to your Sparks account, allowing seamless accumulation and redemption through the app or website, without waiting for paper vouchers.
Cons
⚠️ Rewards mostly limited to M&S: Outside M&S, the earn rate drops to just 1 point per £5, making it far less appealing for general spending compared to cashback or air mile cards.
⚠️ Balance transfer fee applies: While there’s a 0% APR for 9 months, you must pay a 3.49% transfer fee (minimum £5), which can offset savings if you’re not careful.
⚠️ Club Rewards costs extra: The £10/month subscription is optional, but not free. For infrequent M&S shoppers, the benefits may not justify the cost and might go unused.
⚠️ No cashback or travel rewards: If you’re looking for flexible rewards like airline miles or universal cashback, this card doesn’t offer those — it’s M&S-only by design.
⚠️ Vouchers expire: Paper vouchers expire in 15 months, and digital ones in 17. If you’re not vigilant, it’s easy to let points or rewards go unused.
⚠️ No interest-free period on cash withdrawals: Cash advances (except for Travel Money) incur interest immediately, with no grace period, which can lead to unexpected charges if not repaid quickly.
Can I apply for this credit card?
Yes, applying is simple, and decisions are usually quick. M&S Bank accepts applications online, and most people get an answer within minutes.
Your eligibility depends on your credit score, age, and financial history. The M&S Rewards Credit Card review confirms there’s no guarantee of approval, so check your status first.
✔️ Must be 18 or older
✔️ UK resident
✔️ Have a good credit history
✔️ Employed or have a steady income
✔️ No current M&S credit card in use
How to apply for the M&S Rewards Credit Card!
Applying for this card is fast, safe, and entirely online. The form takes just minutes if you’ve got your personal, employment, and income information ready beforehand.
Before applying, use the free eligibility checker to preview your approval chances without impacting your credit. This is a smart move recommended in every honest M&S Rewards Credit Card review.
Visit the official M&S Bank website
Head over to bank.marksandspencer.com and locate the “Rewards Credit Card” section. There, you’ll find details about features, eligibility, and the “Apply Now” button.
This is the safest place to apply directly, ensuring your information is secure. Avoid third-party links and always verify you’re on the official M&S Bank website.
Use the free eligibility checker
Click “Check eligibility” before starting a full application. This tool quickly assesses your chances of approval based on your financial situation — without impacting your credit score.
It’s a smart first step to avoid unnecessary hard checks. It also confirms if the card suits your profile, as outlined in this M&S Rewards Credit Card review.
Fill in your personal details
Begin the full application by entering your name, birth date, contact number, and current address. Double-check all details to avoid identity verification delays.
This part is quick and should match official records, like bank statements or utility bills, to ensure a smooth identity check.
Provide employment and income information
You’ll need to share your current job role, employer name, length of employment, and monthly income. This helps M&S Bank determine affordability and suggest a credit limit.
Include any additional income streams honestly. Transparency improves your approval odds and prevents future account limitations.
Submit your application and await the decision
After reviewing all sections, click submit. Most applicants receive a decision within minutes. If approved, the card arrives in 7–10 working days.
Your welcome letter will include your APR, credit limit, and benefits — bringing your journey full circle from reading this M&S Rewards Credit Card review to getting your card.
Is the M&S Rewards Credit Card really worth it?
If you’re a regular M&S shopper, this card delivers significant rewards, exclusive perks, and spending flexibility, all with no annual fee.
The M&S Rewards Credit Card review highlights how it rewards loyal customers well — but only if they use the card strategically and pay off balances monthly.
The Club Rewards add-on gives you real value if you’re committed to M&S. But for broader rewards or travel points, you might want to look elsewhere.
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