Your Spending, Supercharged with Sparks Points

What is it?

The M&S Rewards Credit Card, issued by M&S Bank, gives customers the flexibility of a traditional credit card combined with exclusive Sparks rewards, extra points on M&S spending, and tailored offers. It’s embedded into the broader M&S ecosystem, reinforcing loyalty with every purchase.

Journey highlights

• Apply online or in-store through the M&S Bank site

• Earn Sparks points on all spending - with bonus points at M&S

• Access to exclusive shopping events and offers

• Manage card and rewards through the M&S or M&S Bank app

• Option to spread the cost of larger purchases with interest-free plans

Why it matters

The M&S Rewards Card turns everyday spending into ongoing loyalty engagement. By embedding financial products into the shopping journey, M&S deepens customer lifetime value, drives repeat visits, and builds brand affinity through financial utility and exclusive perks.