| Points Scheme | M&S Rewards:
1 point is earned for every £1 spend at M&S.
1 point is earned for every £2 spend elsewhere.
Bonus Points:
Double or triple points available when the card is used to purchase food, clothes, or homeware.
500 bonus points the first time the cardholder shops at M&S online.
1,000 bonus points if the cardholder takes out M&S Car Insurance.
1,000 bonus points if the cardholder takes out M&S Home Insurance.
250 bonus points if the cardholder takes out M&S Pet Insurance.
M&S Premium Club members receive 3 points for every £1 spend in M&S as well as other benefits, for the price of £10 per month for the initial 12 months.
Redemption:
Four times a year, points are exchanged for M&S Reward Vouchers to be spent in-store, at a rate of 100 M&S points = £1 M&S Reward Voucher.
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| Other Incentives | M&S Travel Club:
Save 8% on holidays
Commission Free Travel Money
M&S Premium Club:
£15 per month membership fee affords the cardholder with the following benefits:
Triple loyalty points on M&S purchases in store and online
Birthday gift and seasonal gifts
Complimentary hot drinks at M&S Cafe up to £127 in value per year
Worldwide multi-trip family travel insurance, up to age 70, including extra cover for winter sports and independent travel
M&S vouchers worth £40 each year
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| Internet fraud protection | safe shopping promise
The cardholder won't be liable for any fraudulent use of their &More card, or card number, on the Internet. Cover applies if:
' the cardholder gives the card details to a retailer and they use it
' someone steals a card or details and uses them for transactions that the cardholder has not authorised on-line
However, cover does not apply if:
' the cardholder gives the card details to a friend and they use it
' the card is used fraudulently with the cardholder's knowledge
internet delivery
Marks and Spencer's Internet Delivery Insurance provides cover if anything bought on the Internet with the &More card gets lost or damaged, from the moment it's bought to the moment it arrives (subject to exclusions and a maximum of £1000).
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