M&s Credit Card Money Saving Expert

Club Rewards membership is provided subject to T&Cs by Marks & Spencer Financial Services plc

Club Rewards

Exclusive upgrade for M&S Credit Card holders

Choose to upgrade your M&S Credit Card to Club Rewards and receive benefits worth on average £240 per year including next-day delivery* on full price clothing, home and beauty, for just £10 per month

Get all these extra benefits when you sign up for Club Rewards

M&S next day-delivery at no extra cost*

32 hot drinks from your M&S Café saving on average £88 per year

£65 M&S Vouchers annually

Earn extra points per £1 spent at M&S*

0% interest on shopping

Earn 3 points for every £1 you spend abroad on purchases made in local currency- fees apply

A Reward on your birthday

All for £10 per month

Representative example

19.9%

Purchase rate p.a.
(Variable)

19.9% APR

Representative
(Variable)

£1,200

Assumed
credit limit

Already have an M&S Credit Card?

Upgrade to Club Rewards

Don't have an M&S Credit Card?

You'll need to successfully apply for one and sign up for Club Rewards once you've completed your application.

M&S Credit Card Rewards Offer

Terms and Conditions

*For purchases made online at marksandspencer.com you will be eligible for next day delivery at no extra cost. This will not apply to food, hampers, wine, flowers, furniture and items described as on sale. You need to have a marksandspencer.com account, set up in your name, to enjoy this benefit. Your account will usually be updated to include next day delivery within 6 working days of you opening both Club Rewards and your marksandspencer.com account. Only available to the main Club Rewards member. Your Club Rewards welcome pack will include two one-time promotion codes to use until the benefit is applied to your account. Once set up, each time you order online simply select next/nominated day delivery at checkout, and we'll automatically deduct the cost of delivery when you pay. Subject to availability and Marks and Spencer next day delivery terms and conditions. Visit marksandspencer.com/c/help/delivery for more information. Some locations may be excluded and delivery slots may be limited.

^As an M&S Credit Card customer, you earn one Rewards Point for every £1 spent in M&S (2 Rewards Points if you're an M&S Credit Card Rewards Offer customer within your 12-month introductory period). With M&S Club Rewards, you'll earn an extra 2 Rewards Points per £1 spent in M&S (a total of 3 Rewards Points per £1, or 4 if you're a Rewards Offer customer within your introductory period). M&S Rewards Points can't be earned on M&S Travel Money or M&S gift cards or vouchers, Loyalty Scheme T&Cs apply.

Marks and Spencer plc, Waterside House, 35 North Wharf Road, London, W2 1NW acts as a credit broker and not a lender. Authorised and regulated by the Financial Conduct Authority (Register no. 718711).

Credit for the M&S Credit Card is provided subject to status by Marks and Spencer Financial Services plc, Kings Meadow, Chester, CH99 9FB. Authorised by the Prudential Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register No. 151427).

M&S Club Rewards is a package of benefits exclusively available to M&S Credit Card customers. Club Rewards membership is provided subject to T&Cs by Marks & Spencer Financial Services plc.