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

Name: Credit card
Rating: 3.62 (208 reviews)

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3.62

Based on 208 reviews, last reviewed 20th Aug 2026

33% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

39%

13%

37%

Latest highest rating:

5

Great customer service and rewards. Great customer service and rewards. Easy to use app, very efficient can use anywhere Reviewed on: 20th August 2026

Latest lowest rating:

1

FCA warning for being in Arrears, when in Credit I have an M&S credit card mainly used for shopping at M&S on line. A monthly direct debit is in place, which is the responsibility of M&S bank to cla... Read more Reviewed on: 8th August 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 (208)

Great customer service and rewards.

Great customer service and rewards. Easy to use app, very efficient can use anywhere Reviewed on: 20th August 2026

FCA warning for being in Arrears, when in Credit

I have an M&S credit card mainly used for shopping at M&S on line. A monthly direct debit is in place, which is the responsibility of M&S bank to claim. However, wishing to avoid paying interest, I have been paying most of the balance off each month. In the meantime, should I return a purchase, the money is credited back to the card placing me in credit and the bank not claiming the minimum payment. However, today I received my statement with a credit balance. I also received a letter from the bank entitled ‘Arrears Notice’ for not receiving the minimum payment due on the last two months, despite the fact that my statement was showing a credit balance. Accompanying this letter was an FCA Sheet regarding this ‘arrears notice’. Firstly, I have never been ‘in arrears’, secondly it is the banks responsibility to claim the minimum payment which they didn’t because I was in CREDIT! The FCA notice was to advise me that ‘it is time to take action’ and ‘Missed payments could affect your credit rating and make it more difficult to get credit in future’. I phoned M&S Bank to complain, but being transferred to somewhere in Asia (maybe Phillipines?) only compounded my frustration. My intention now is to request the monies owe to ME back and cancel that credit card once I am satisfied that a 0 balance is agreed. How come I am viewed as in the wrong and a recipient of a Financial Conduct Authority warning! Reviewed on: 8th August 2026

CAUTIOUS

Too caught up in scams to trust a long time customer without issues to fight for higher credit limit than offered. Blames others & not supportive to their customer. Pass the buck comes to mind, yes v.g. at that. Reviewed on: 2nd July 2026

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

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