M&S Credit Card Points Calculator

Card Value & M&S Points Calculator
M&S Credit Card

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.

Rewards Rates

Earn 1 point per £1 spent on Marks & Spencer purchases.
M&S Premium Club customers will earn 2 additional points for each £1 spent with Marks and Spencer for a total of 3 points per £1.
Earn 1 point per £5 spent on all other purchases.

Key Cardholder Benefits

Outside of the benefits you'll receive when you first open the card, 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.

Rewards 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.

Annual Fees

The annual fee for the M&S credit card is £0.

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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Marks and Spencer Premium Club Membership

Marks 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.


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.

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