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

Name: Credit card
Rating: 3.60 (209 reviews)

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3.60

Based on 209 reviews, last reviewed 2nd Sep 2026

14% 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

Very good. Very good. Helped when needed. Happy with the service. What more can isay Reviewed on: 2nd September 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 (209)

Trustworthy

0% Balance Transfer card that delivers on its promises. Reviewed on: 17th February 2023

Transaction tracking and rewards

The app shows clear transactions and provides notifications pop ups when a purchase made so yo can track spends and watch out for unauthorized transactions. Also provides rewards points on spends which then turn to vouchers to spend towards your m&s shopping Reviewed on: 10th January 2023

M&S Credit card - hard to register in app, Customer Service hard to understand

Really difficult getting the card set up on the app. Told me to do one thing then locked me out and told me to call Customer Service - spend 45 mins calling and talking to them - getting cut off several times. Told me to download the app set up DD-s but you can't. Reviewed on: 10th January 2023

SHOCKING!!!!

Took ages to navigate through the app , locked me out when I tried to pay , nightmare , I'm closing it and going elsewhere, worst app out there. Reviewed on: 18th December 2022

Consistent issues and horrible to deal with

I wish I'd read the reviews before I got this card. I rarely use it because every time I do, issues happen. The app is shocking and the functionality is horrible, badly lacking and old fashioned. Every time there is an issue their chat function is so slow but doesn't have the option for a notification of their reply - if they ever reply. Their phone line is answered fairly quickly but the staff there are not really empowered to make any kind of decisions and honestly it would be easier to do it myself if only the functionality was there. Reviewed on: 16th December 2022

Constantly Blocked Card

Their security is triggered sometimes three times a day, which means we spend hours and hours on the phone tying to get the card unlocked. The types of transactions they needlessly decline are everyday spending at Amazon, supermarkets, toy shops, Deliveroo etc. Nothing unusual. They don't call to say they are limiting the card. It just stops working randomly. And they have no explanation for why they are doing this. Items went out of stock, Christmas posting dates were missed, Deliveroo was not delivered. The inconvenience and disappointment is endless. Oh and the embarrassment of having your payment declined and people assuming you can't manage your finances. Joyful. Such a stark contrast with other banks we use, where everything just works and customer services are amazing. Needless to say, I will never, ever bank with M&S again. Reviewed on: 14th December 2022

JOKE

Heres another bad review. The tech for their banking app looks like its from the web in the 1990s and it just is rubbish in comparison to almost any other card. Joke levels of credit limit compared to other card providers. Waste of time Reviewed on: 12th December 2022

Ever tried to get online with M&S Bank?

For several years I've tried to get online with M ans S Bank. Input card details and it sends out same messages "we have a problem" please phone following number. The number only had key in options, none of which addresses the issue. 0 out of 10. Only reason I've stuck with it is for vouchers.... Reviewed on: 30th November 2022

Liars!!!

Got preapproval for £1200 credit card, then when I went to activate the card when it came in the post I was told its only for £500. Also they refuse to remove the hard search they done to approve this and won't give me what I was preapproved for. Reviewed on: 21st November 2022

No real customer service

Any company tester ACTIVELY conceals any email address as a means of discouraging complaints is HIGHLY SUSPECT Reviewed on: 4th November 2022

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