Write a review

Go to business site

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

Name: Credit card
Rating: 2.94 (196 reviews)

View other M&S Bank - Marks and Spencer products

3.38

Based on 196 reviews, last reviewed 5th May 2026

600% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

37%

13%

39%

Latest highest rating:

4

Great option for a long term zero interest credit ca... Great option for a long term zero interest credit card with M&S voucher cashback on spend. Reviewed on: 17th April 2026

Latest lowest rating:

1

RUBBISH CREDIT CARD - REALLY LETS M & S DOWN! I had terrible trouble getting the card set up in the first place and have written a letter describing it, then today I went into an Asda store and th... Read more Reviewed on: 5th May 2026

Read all reviews Write a review

About this product

With the M&S credit card, you can get 0% interest on purchases and balance transfers for a period of time.

You can shop with your M&S credit card in millions of outlets, wherever you see the Mastercard logo. Earn rewards points every time you shop, and they'll be converted into M&S vouchers for you to spend.

M&S credit card reviews help you find out what it’s really like to be a customer. If you’ve used M&S before, you can also leave a review and share your experience.

Review M&S Bank - Marks and Spencer: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

M&S Bank - Marks and Spencer Credit card reviews (196)

RUBBISH CREDIT CARD - REALLY LETS M & S DOWN!

I had terrible trouble getting the card set up in the first place and have written a letter describing it, then today I went into an Asda store and the card was declined contactless, then when I put in the pin it was still declined. I was in a long queue and had everyone behind me having to wait and it was most embarrassing. Have now telephoned M & S Bank and was told that for no reason the card was declined and now I have to go to an ATM and valid the pin there but as I am disabled I need to wait for a lift, most inconvenient. I will now pay of the credit card and return, terrible service. Reviewed on: 5th May 2026

Great option for a long term zero interest credit ca...

Great option for a long term zero interest credit card with M&S voucher cashback on spend. Reviewed on: 17th April 2026

M & S Credit Card is a Must have!

I've had my M & S credit card for years now and I like that they gave their customers vouchers! It's a lovely surprise and definitely handy to use at their shop. Reviewed on: 16th April 2026

Best rewards ever.

The benefits of this card are amazing. Points for every transaction - more when spent in M&S. Points converted into M&S vouchers. Combined with Sparks the rewards and discounts are amazing. They have just upgraded Sparks so the rewards are even better now. Would recommend to anyone who shops in M&S. Reviewed on: 16th April 2026

Love getting the points to convert to vouchers to sp...

Love getting the points to convert to vouchers to spend in store Reviewed on: 16th April 2026

Excellent , speak to human beings not A I

Excellent , speak to human beings not A I Reviewed on: 16th April 2026

Always exciting products available at very fair M&S...

Always exciting products available at very fair M&S prices and fresh products daily. Reviewed on: 24th March 2026

My experience with M&S Bank credit card!

My experience covers 3 decades plus. A trustworthy credit card that is easy to operate with, that charges no fee, gives one sufficient time to settle in full thereby avoiding interest charges and which rewards with points converted to monetary vouchers. Reviewed on: 24th March 2026

I'm having trouble getting online banking.

I'm having trouble getting online banking. My son tried (I'm 87) he said it's a terrible website. I phoned ON SATURDAY to set it up, your rep couldn't help, I asked for a manager, your rep said a supervisor would phone me in 30 mins to 1 hour, It is Tuesday . No-one has phoned. All i want is internet banking with my M&S. credit card It's easy with my Nationwide current account. What's wrong with M&S? Reviewed on: 14th October 2025

Cant pay cc in store colossal mistake ..

Today I receive letter telling me I can no longer pay in store!!!! Now has to be a DD or online banking . I don’t like online banking plus many people don’t have access to a computer shame on you M&S from being a customer for many years I will now cancel my card your loss ! Another colossal mistake ! You have not only lost sales but a customer and probably quite a few more. M&S are not the cheapest but we’re convenient. No longer more hassle than your worth. Reviewed on: 8th August 2025

Do you have a different M&S Bank - Marks and Spencer product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Credit card
from Zable 4.82 from 77515 reviews
Hilton Honors Credit Card
from Barclaycard 4.10 from 11 reviews
123 credit card (discontinued)
from Santander 4.20 from 162 reviews

Want to see more from M&S Bank - Marks and Spencer?

Fixed Rate Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Everyday Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Monthly Saver
from M&S Bank - Marks and Spencer 4.46 from 7 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub