M&S Club Rewards Credit Card

Key facts
Representative APR	24.9% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	£10 monthly (optional Club Rewards subscription; M&S Credit Card itself has no annual fee)
Foreign transaction fee	—
Rewards / cashback	Rewards points converted to M&S vouchers; extra 2 points/£1 at M&S
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.

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Source: marksandspencer.com/c/money/credit-card/club-rewards · Last checked 30 October 2026

Figures are as published by M&S Bank when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.