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M&S Credit Card Points Calculator

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

Earning 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.

Rewards Details

  • Every 100 M&S Credit Card points that you earn is worth £1 in cash value. This means that M&S points have a value of £0.01 apiece.
  • 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.

Our Take

The M&S credit card offers a solid return on everyday spend, but it really shines for those who are M&S Premium Club members.
M&S Credit Card Point Calculators

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.