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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.
Earn Rewards Shopping Online
Earn cash back or British Airways Avios when you start your online shopping session using TopCashback UK. Sign up for free and earn a £10 bonus the first time you use the site.
Earn 1 point per £1 spent on Marks & Spencer purchases.
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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.
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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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Credit Cards
Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.
Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.
Clicking on Add Selected Card will add it to the calculator.
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Add a credit card to compare side by side based on spend, benefits and fees.
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Family Cards
These cards are part of the same family and generally earn the same type of rewards.
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Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
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Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
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Business Cards
Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.
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Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
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Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
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No Annual Fee
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Category Spending
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards
This is the total of all points, miles, and cash back earned between Loyalty/Memberships, Category Spending, and Reward Bonuses.
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
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Learn More
Learn more about the card.
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.
FAQ
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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