Annual fee
£0
Rewards rate
1%-0%
Welcome Bonus
4,000 points
Apply Now →on M&S's website
Regular APR:23.9% Variable APR
- 1%Points earned per £1 spent at M&S
- 0.2%Points earned per £5 spent elsewhere
Welcome Bonus:
Earn 4,000 bonus points (worth £40 in M&S vouchers) when you spend £1,000 in the first 3 months.
Reward Rate:
1 point per £1 spent at M&S, 1 point per £5 spent elsewhere.
APR:
23.9% Variable APR
The standout feature of the M&S Reward Credit Card is its ability to convert spending into M&S vouchers, making it ideal for frequent shoppers at M&S who want to earn rewards on their everyday purchases.
Pros:
- Earn points that convert to vouchers
- No annual fee
Cons:
- Higher APR for cash advances
- Points cannot be earned on balance transfers
The M&S Reward Credit Card is particularly suited for regular M&S shoppers who can effectively utilize the points earned from their spending towards vouchers for future purchases. With no annual fee and a straightforward rewards structure, it offers a practical option for those looking to maximize their shopping benefits without incurring additional costs.