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

Name: Credit card
Rating: 3.69 (205 reviews)

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3.69

Based on 205 reviews, last reviewed 15th Jun 2026

1300% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

39%

13%

37%

Latest highest rating:

5

Helpful and friendly Always helpful with queries. Team members are friendly and welcoming, they listen patiently and provide clear and concise responses and very quickly. ... Read more Reviewed on: 15th June 2026

Latest lowest rating:

1

Rejected for an M&S Credit Card I applied for a credit card and got turned down.. No one at M&S Bank was able to explain why. My credit score is excellent and I was pre-approved for ... Read more Reviewed on: 13th June 2026

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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.

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M&S Bank - Marks and Spencer Credit card reviews (205)

Helpful and friendly

Always helpful with queries. Team members are friendly and welcoming, they listen patiently and provide clear and concise responses and very quickly. They do not overload you with emails and texts, they only contact you when necessary. Reviewed on: 15th June 2026

I had a great offer when I joined - a £40 voucher.

I had a great offer when I joined - a £40 voucher. Customer service also amazing. Reviewed on: 13th June 2026

Rejected for an M&S Credit Card

I applied for a credit card and got turned down.. No one at M&S Bank was able to explain why. My credit score is excellent and I was pre-approved for the card! Reviewed on: 13th June 2026

Excellent overall product and customer service.

Excellent overall product and customer service. Reviewed on: 12th June 2026

Great app and understand people’s needs

Great app and understand people’s needs Reviewed on: 12th June 2026

Excellent service and good benefits, also vouchers

Excellent service and good benefits, also vouchers Reviewed on: 12th June 2026

Brilliant Company!!!

Been with M&S bank for years. Brilliant company! They really value their customers. Reviewed on: 11th June 2026

Reliable Credit Card Provider

I have had my credit card with M&S bank for many years and am a happy customer, I’ve only had to contact their customer support once, they were helpful and dealt with my questions promptly and professionally. As with most providers they now have an app you can use which is intuitive and reliable, but you still have the backup of speaking to a real person if necessary. Reviewed on: 11th June 2026

Great options, quality products.

Great options, quality products. Reviewed on: 4th June 2026

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

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