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

Name: Credit card
Rating: 2.81 (190 reviews)

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2.83

Based on 190 reviews, last reviewed 24th Mar 2026

200% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

36%

13%

40%

Latest highest rating:

5

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

Latest lowest rating:

1

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... Read more Reviewed on: 14th October 2025

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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 (190)

Why is it so hard to move from paper statements to the App??

I have had enough of trying to register and I have wasted so much time on this! Reviewed on: 9th May 2022

Like the Crystal Maze

A ridiculously complicated system that I've pretty much given up on after one whole month of using my credit card. Use this number, log into that, type in that number, turn this on, turn that on, add a different number etc etc etc. It's just a hassle and a stress. Don't bother. Reviewed on: 4th April 2022

Lack of customer support

Terrible. Hopeless App. Inept support team. Card cut up! Reviewed on: 25th February 2022

complete savings £15.00 on statement

I have no idea what this is for. Is it a one off payment? or monthly or yearly. I have not signed up for this, and have now cancelled the M & S credit card. Reviewed on: 23rd February 2022

Disgusted

My Father died nearly a year ago. I phoned up to explain and was reassured that they would make sure deceased were put on his record and no further letters sent out. He wasn't in debt at all but my mum continues to receive letters asking him if he wishes to use his credit card. Absolutely disgusted. Reviewed on: 17th January 2022

Issue with a credit which has been treated as debit

Very poor customer service. Took age to set up the system for online banking - first call on hold for 45 mins and second time another 15 both of them not helpful - would not recommend at all Reviewed on: 10th January 2022

Endless problems trying to log on to view statement

I have experienced endless problems for days with logging into M&S internet banking to view my monthly statements despite knowing passwords. I use the physical M&S Pass as I prefer not to have endless apps on my phone in case I lose it again. I've managed to get the code via the M&S Pass but when I enter it, it comes up Bad Request and signs me out. Also experienced a "fail" sign coming up on the M&S Pass despite putting in correct code. Trying to get help by the friendly chat service was no help. Definitely the worse internet banking I've come across. Why we need the mini M&S Pass (about the size of a matchbox) to get a security code I don't know. Much prefer the code is sent to my mobile same as used by Amazon and supermarkets. Definitely thinking of closing my M&S credit card because I don't want all this hassle. Would rather speak on the phone to get it sorted but can't find a phone number on their website. Have had to give 1 star but would have preferred to give none. M&S definitely not what it used to be. Reviewed on: 21st July 2021

My life savers

Money transfer to make more manageable payments Reviewed on: 17th June 2021

The best way to control your money

I put all of my expenses as much as possible on my M&S Credit card and I can keep track of it by the M&S App and then you have about 5 weeks grace before I then pay it all off from by private bank account - it is an ideal way of managing your money as long as you pay it all off every month. It works for me and it is great. Reviewed on: 11th April 2021

Always there for us

M & S Bank have always been very helpful, friendly courteous Reviewed on: 21st March 2021

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