M&S Credit Card
Fees
Earning Rates
- Earn 1X points on Marks & Spencer purchases
- Earn an additional 2 points for each £1 spent on Marks & Spencer purchases as a M&S Premium Club customer
- Earn 1X/£5 points 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.
M&S Credit Card 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.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Card Details
The M&S credit card is a great choice if you frequently make purchases with Marks & Spencer. It has no annual fee and will earn you a 1% return on your M&S purchases and 0.2% return on all other purchases.
The card shines best for M&S Premium Club members due to the additional 2 points per £1 spent at Marks & Spencer which is a very nice 3% return.
M&S Credit Card earning rate
The Marks and Spencer Credit Card earns M&S points at the following rates:
- 1 point per £1 spent on Marks & Spencer purchases
- 1 point per £5 spent on all other 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.
M&S Credit Card points value
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.
M&S Credit Card benefits
Here are the main benefits of the M&S Credit Card:
- No Cash Advance Fee: Pay no cash advance fee when you buy your M&S Travel Money with the M&S Credit Card.
M&S Credit Card fees
Annual Fee
The M&S Credit Card has no annual fee.
Authorized User Fee
There is no fee to add an additional users to the M&S Credit Card.
Non-sterling Purchase Fee
The M&S Credit Card has a non-sterling purchase fee of 2.99%. This means that you will be penalized when using this card to make purchases that are not in Pound sterling.
