Marks and Spencer Credit Card

Benefits & M&S Points Calculator
Review the benefits of the M&S credit card and calculate both how many M&S credit card points you can earn and the value of those points in pounds.
Last Updated 2022-06-29

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

Issued By
Annual Fee
Foreign Transaction Fee

M&S Credit Card earning rates

Up To 3X Marks & Spencer Purchases

Marks & Spencer purchases with the M&S credit card will earn 1 M&S point per £1 spent.

M&S Premium Club customers will earn 2 additional points for each £1 spent in M&S for a total of 3 M&S Points per £1 spent.

1x/£5 Everywhere Else

All other purchases with the M&S credit card will earn 1 M&S point per £5 spent.

M&S Credit Card benefits

The M&S credit card does not feature any perks or benefits that are specific to the card itself. It's mainly for earning points spending wherever Mastercard is accepted and using those points for vouchers good towards purchases with Marks & Spencer.

M&S Credit Card points value

Every 100 M&S Credit Card points that you earn is worth £1 in cash value. This mean that each point is worth £0.01.

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.

Convert M&S Credit Card points to pounds

Use the M&S Credit Card Points Value Calculator to determine the cash value of points in pounds when redeemed for vouchers. This will let you know how much your points are worth.

Enter any amount of M&S Credit Card points to calculate the value in pounds.
Redemption option Average cash value
Redeeming points for vouchers £

M&S Premium Club benefits

Mark and Spencer offers their Premium Club membership for £10 a month. With this membership, you'll receive:

  • Triple Points for every £1 you spend at M&S using the M&S Credit Card
  • 48 hot drink vouchers per year (£132 in value)
  • Quarterly treats and delights vouchers (£45 in value)
  • A birthday gift worth at least £10
  • Vouchers worth £40 to spend in store on clothing and home every year

Overall, you're paying £120 per year to receive about £227 in vouchers if you value everything at the same values they list. You'll also be earning the additional 2 points per £1 spent if you have the M&S Credit Card which is an extra 2% on your spending.

M&S Premium Club can easily be worth it if you frequently shop at Marks & Spencer and will especially be worth it if you have the M&S Credit Card.

M&S points calculator

Input your monthly and yearly spend amounts to calculate how many M&S Credit Card points you can earn. Compare the results side by side up to two 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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How much are M&S credit card points worth?

M&S Points are worth £0.01 each meaning that every 100 points you earn will be worth £1 in cash value.

Is the M&S Premium Club worth it?

M&S Premium Club is worth joining if you frequently shop at Marks and Spencer. The program offers bonus points when using the M&S Credit Card and about £227 in vouchers annually.

When are M&S points converted to vouchers?

M&S points are converted to vouchers and mailed out to you once you've earned at least 200 points. They are sent quarterly in February, May, August, and November.

How much is 2,000 M&S Points worth?

2,000 M&S Points has a cash value of £20 in vouchers redeemable with Marks & Spencer.