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M&S Bank - Marks and Spencer: Credit Card reviews

Name: Credit Card
Rating: 3.03 (186 reviews)

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2.71

Based on 186 reviews, last reviewed 20th Jun 2025

400% increase in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

36%

13%

40%

Latest highest rating:

5

Never had any problems and the rewards are good Never had any problems using their credit card and enjoy spending the rewards Reviewed on: 13th June 2025

Latest lowest rating:

1

Shocking service I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to As... Read more Reviewed on: 20th June 2025

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About this product

The Marks and Spencer credit card reviews on Smart Money People are written by people like you. We’ve got over a hundred genuine reviews to help you to discover more about the pros and cons of the M&S credit card.

With so many credit cards available, it makes sense to shop around to get the one that suits you best. Start by thinking about what you want to use the credit card for, as well as whether you intend to pay what you owe every month, or spread repayments over a longer period of time.

Learning about other peoples’ experiences can also help you make the right choice. Find out more about the M&S Bank credit card by reading our trusted Smart Money People reviews, including what kind of features Marks and Spencers customers like most.

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M&S Bank - Marks and Spencer Credit Card reviews (186)

Shocking service

I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to Asia making it very hard to understand and conversation. My problem was down to a hotel room being booked but then cancelled. The hotel waived the booking but Booking.com still charged me. M&S said because Booking.com gave a partial credit they would not be taking my enquiry any further. I did not stay in the hotel, the hotel were paid nothing but Booking.com and Marks & Spencer Bank made money from me in charges for no goods. Be warned Reviewed on: 20th June 2025

&more rewards hit and miss

It is getting hit and miss whether your &more show up. It is no use advertising a 1% reward and then not hitting your statement. I have gone back to non-brand credit cards which offer less cash back (0.5%) but it least it reliably turns up Reviewed on: 16th June 2025

Never had any problems and the rewards are good

Never had any problems using their credit card and enjoy spending the rewards Reviewed on: 13th June 2025

Very happy with them as a whole, always easy to get...

Very happy with them as a whole, always easy to get hold of on the phone! So far they’ve honoured their word and sorted out any issues I’ve faced rapidly. Can’t fault them! Reviewed on: 13th June 2025

Excellent customer ssrvice

When I had a problem getting a deposit back for a wet room from a company who let me down they were brilliant, defunded my money and sorted it out with the supplier Reviewed on: 12th June 2025

Easy to use app and online.

Easy to use app and online. Helpful telephone customer service. Excellent 0% apr deal. Reviewed on: 12th June 2025

Trustworthy Credit Card

I have been an M&S credit card holder for many years, never had a problem with it or the service provided. Reviewed on: 12th June 2025

Making it STUPIDLY difficult to sign in without your...

Making it STUPIDLY difficult to sign in without your App , constantly pushing you to have the App . I’ve decided I don’t want the credit card now and will cancel it ! Reviewed on: 12th May 2025

Really disatisfied. Not recommended.

MS Bank offered me a credit card with a decent ammount of credit. I only used 1/3 of that credit for one time and start making my monthly repayments. After 5 months, I accidentanly cancelled my direct debit because i was willing to increase the monthly payment and unfortunately for the 1st ever not only with MS Bank but with others credit cards, i forgot to make my payment. Without them not even sending a message or a phone call to find out what happened, they sent a letter asking for the minimum ammount and the interest and at once before even me realizing what happened and ofcorse repay them (which i had every intention to do at once) they even reduced my credit in half! I have a good credit score, money savings and all the payments of my life in perfect order. I was really disatisfied with such practices by MS Bank. A phone call the next day of me missing a single payment after many months would have sold the "problem" in secs. They 've cut my credit in half, without me even have a chance to explain and apologise for my negligence. Reviewed on: 23rd April 2025

Disappointed as a long- term customer

I recently fell foul of the dreaded terms and conditions. I bought some travel money online and used Applepay (on which my M&S card is the most used) so automatically used it to pay for the transaction. Not only did they charge me over £15 handling fee but they added interest on as well. I have been a fan of M&S but no longer. Reviewed on: 5th April 2025

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