M&S Credit Card Calculator

Card Details & M&S Points Calculator
1x M&S
1x/£5 Everywhere Else

M&S Points Calculator for the M&S Credit Card. Calculate total points and card value based on spend. Compare against top rewards credit cards.

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.

M&S Points Value

M&S Points are worth 1p each meaning every 100 points you earn is worth £1. If you have over 200 points, your points will be converted into vouchers and mailed out to you. These are sent quarterly in February, May, August, and November.

You can use the M&aamp;S Points Value Calculator below to calculate the cash value of M&S Points.

M&S Points Value Calculator

Enter any amount of points to see the average cash value.
1p | 100 = £1

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

Sign Up Bonus (SUB)

The M&S Credit Card has multiple offers which determines the sign up bonus for the card.

Shopping Plus Offer

This offer grants 0% on shopping for 20 months and 0% on balance transfers for 20 months assuming you do the transfer within the first 90 days of account opening. Do note that a transfer fee applies.

Reward Plus Offer

This offer grants you 2,000 M&S Points if you use your card within the first 90 days. You'll also earn double M&S poitns on all your purchases for the first 12 months. If you're looking to earn points, this is the best offer.

Transfer Plus Offer

This offer grants you 0% on balance transfers for 28 months assuming you do the transfer within the first 90 days of account opening. You'll also get 0% on shopping for 6 months.


Annual Fee

The M&S Credit Card does not have an annual fee.

Authorized User Fee

There is no listed fee to add an authorized user to the M&S Credit Card. I recommend adding family and friends to your card if they frequently shop with M&S. This will help you earn points a lot faster.

Foreign Transaction Fee

The non-sterling transaction fee for the M&S Credit Card is 2.99%.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.


Earn additional cash back when booking travel and shopping online using TopCashback. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Don't Forget To Use Cash Back Portals!

If you're looking to really maximize your cash back, be sure to use a cash back portal when buying from M&S. Cash back portals are free to sign up for and free to use. Here's the quick summary of how they work:

  • Start at the cash back portal's website
  • Find your store and click Shop to start a new session
  • You'll be dropped off on that store's home page to shop as normal
  • Once you checkout, the cash back site will be notified
  • Cash back will be credited to your account

Cash back portals easily allow you to double dip on earned rewards. This is because you will earn the following:

  • Cash back through the Portal
  • Rewards from the credit card you used to pay

Since cash back portals drop you off on the retailers site, it will still be considered booking direct. I highly recommend using cash back portals if you're shopping or booking travel online.

Easily double dip on rewards with cash back portals!

Listed below are some of the top cash back portals in the United Kingdom. You can sign up for any of the programs below through The Point Calculator to help out the site and earn yourself some additional cash back after your first purchase.

There's no portal that's always better than another since the cash back (or other rewards) rate that you can earn changes from time to time. Anytime you're shopping online, I recommend scanning across each portal to find out who's offering the best cash back.

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