Upgrade your M&S Credit Card with M&S Club Rewards
Subscribe to Club Rewards and enjoy exclusive benefits that could be worth £240 a year1 for just £10 a month.
Credit is subject to status. M&S plc acts as a credit broker not a lender.
Join to Enjoy these Exclusive benefits
We'll send you one £20 voucher and three £15 vouchers a year to spend in clothing, home and beauty.
Get 32 vouchers to spend on any sized hot drink at M&S Cafe, saving you an average of £88 a year.
Per £1 spent at M&S3 on top of the Rewards Points you earn already when using your card online and in-store.
REWARDS CALCULATOR
Calculate how much you'll get back each year to enjoy in M&S vouchers with a Club Rewards subscription5
Monthly spend at M&S
Online and in-store
Rewards Points: 0
Monthly spend elsewhere
(e.g. petrol, shopping, travelling)
Rewards Points: 0
Voucher amount
Per year
£0
Total Rewards Points: 0
With Club Rewards you'll get 2 extra Rewards Points per £1 spent at M&S on top of the Rewards Points you earn already. M&S Rewards Points cannot be earned on balance transfers, cash advances/withdrawals, interest charges, M&S Travel Money, foreign currency or M&S vouchers.
NOT AN EXISTING M&S CREDIT CARDHOLDER?
In just 3 rewarding steps you can become a Club Rewards member and benefit every time you shop!
How to shop 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.
Terms & Conditions
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. We receive a payment from Marks & Spencer Financial Services plc for introducing customers who apply and are approved for credit. The payment is made to cover the costs we incur by offering credit products to our customers and may therefore vary depending on the credit product. It will not affect the amount you pay for credit.
M&S Club Rewards is a paid subscription exclusively available to M&S Credit Card customers. The M&S Credit Card and M&S Club Rewards membership are provided subject to separate T&Cs by Marks & Spencer Financial Services plc, Chester CH99 9FB. If you apply for Club Rewards at the same time as the Credit Card, you will need to first be approved for the Credit Card. Club Rewards is a subscription that can be ended at any time and will not damage your credit.
1Based on £77 worth of M&S vouchers, 32 hot drinks vouchers, 9 next day deliveries (not available in some locations e.g. Northern Ireland and Guernsey), points earned from £300 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.
2For 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. Not available in some locations e.g. Northern Ireland and Guernsey and delivery slots may be limited.
3As an M&S Credit Card customer, you earn one Rewards Point for every £1 spent in M&S. With M&S Club Rewards, you'll earn an extra two Rewards Points per £1 spent in M&S (a total of three Rewards Points per £1). This does not account for any incentive offer that includes a points boost. M&S Rewards Points can’t be earned on purchases of foreign currency (including M&S Travel Money), or M&S gift cards or vouchers.
4When you pay using your card abroad a fee of 2.99% of the transaction amount in Sterling will apply to any purchase made in a foreign currency.
5Not accounting for any incentive offer that includes a points boost.
Full Club Rewards T&Cs apply and can be viewed at bank.marksandspencer.com/pdf/ClubRewardsT&Cs.pdf.
