The &MORE credit card from M&S

This smart looking credit card from Marks & Spencer can be used anywhere that accepts MasterCard, which covers literally millions of retailers and other places both online and world-wide.

You'll earn reward points on all your spending, but when you use the card to pay for your M&S shopping, you'll earn them even faster - at double the normal rate. Every three months, they'll automatically total up how many &MORE points you've earned and convert them into Reward Vouchers, which you can then spend at M&S - perhaps on a special treat.

Aside from any special promotions that may be running, the standard &MORE points-earning rates are as follows: 1 point for each pound spent on the card or 2 points for each pound that you spend in Marks & Spencer. For every 100 points that you earn, you'll receive £1 worth of Reward Vouchers.

There are other benefits for cardholders, too. M&S offers savings of 10% on holidays booked through the &MORE Travel Club, plus discounts when you use the card to pay annual premiums for their own-brand insurance products including car, home, travel and pet cover.

M&S and credit cards

Did you know that for many years after credit cards became commonplace, Marks & Spencer stuck to a policy of not accepting them?

The only alternative to paying with cash, cheques or debit cards used to be their own store card, which of course could only be used in M&S shops. How times have changed!