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

Name: Credit Card
Rating: 3.02 (182 reviews)

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2.66

Based on 182 reviews, last reviewed 12th Jun 2025

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

14%

39%

Latest highest rating:

5

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 wit... Read more Reviewed on: 12th June 2025

Latest lowest rating:

1

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 ... Read more Reviewed on: 12th May 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.

You can also write your own Marks and Spencer credit card reviews to share your experience. Why not include details of the application process, or how helpful customer support services were?

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M&S Bank - Marks and Spencer Credit Card reviews (182)

Review of the M&S Bank - Marks and Spencer, Credit Card:

What am I paying for?

Ive been charged 2 lots of £10 (£20) and not had a welcome pack or any vouchers which is the whole point of the rewards card. I have spent ages on the app talking to a computer to get the welcome pack and still nothing. The customer service is terrible. I will pay off the £20 and cancel the card asap so i dont just keep paying for nothing. Reviewed on: 24th July 2023

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

Impossible to make balance transfers to new card.

Impossible to make balance transfers to this new card via the app or online. Tried loads of times with unspecified errors. Had to phone them up in the end. Didn't really give satisfactory explanation on phone as to why there were issues but they were aware of it going on for some time. Reviewed on: 5th April 2025

A very caring company.

A very caring company. If there is a problem it's possible to speak directly to a person instead of going online.In the past I have had reason to contact customer services and have always found them to be very helpful..I also value the treats and the points that are given throughout the year. All in all I would certainly recommend Marks and Spencer Bank. Reviewed on: 2nd April 2025

AVOID any financial products at all costs

AVOID ! Do not get a loan or credit card with M&S. worst service I have ever recieved since going on maternity leave . Told they had sent letters when they hadn’t . Was on a reduced payment due to maternity pay yet they push account into default anyway . Ruined credit rating which I’m now having to go through the FCA and ombudsmen to get rectified. Avoid at all costs !! Reviewed on: 14th January 2025

The worst customer service I have ever encountered

M&S Bank (actually HSBC) without doubt the worst customer service I have ever encountered. The whole organisation is incompetent and indifferent. Even after they accepted a deal brokered by the Financial Ombudsmen and admitted their errors they are still persuing me for a non existent debt. Don't go anywhere near this company Reviewed on: 6th January 2025

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