Marks and Spencer Credit Card - Rewards Calculator

M&S Points Calculator
Calculate how many M&S credit card points you can earn with the Marks and Spencer credit card based on spend and compare side by side top UK credit cards.
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Last Updated 2020-11-05

The M&S Credit Card allows you to earn M&S Points on everyday spend as well as maximize your earnings when spending with M&S. The card itself offers a solid return on your spend, but the card really shines for those who are M&S Premium Club members.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Rewards Avg. Value
Annual Fee
Authorized User Fee
Non-Sterling Transaction Fee
Income Requirement

Bonus Categories

The M&S Credit Card has one bonus category which is purchases made with M&S. There's no limit to the amount of bonus points you can earn spending with M&S and no limit to the amount of points you can earn with the card overall.

  • 1x M&S
  • 1x/£5 Non-Category

M&S Premium Club Customer

If you're an M&S Premium Club Customer, you will earn an additional 2 points for each £1 spent in M&S. This gives you a total of 3 M&S Points per $1 spent.

  • 3x M&S
  • 1x/£5 Non-Category

Card Benefits

The M&S credit card does not have any perks or benefits that specific to the card itself.

Rewards Calculator

Use the rewards calculator to calculate how many rewards you can earn based on how much you spend across different categories. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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