Write a review

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

Name: Credit Card
Rating: 3.01 (174 reviews)

View other M&S Bank - Marks and Spencer products

2.67

Based on 174 reviews, last reviewed 14th Jan 2025

100% increase in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

35%

14%

40%

Latest highest rating:

5

Bonus for signing up They accepted me for a 20 month interest free credit card through snoop app. Also got a nice 20£ voucher for applying through snoop.The app is identic... Read more Reviewed on: 28th November 2024

Latest lowest rating:

1

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

Read all reviews See your review

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?

Smart Money People is the UK’s largest financial services review site. Together, we can make financial services work better for everyone. Read or write an M&S credit card review below.

M&S Bank - Marks and Spencer Credit Card reviews (174)

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

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

BRILLANT

I am am impressed by the quick action of the M& S team when they noticed discrepancy son my Credit Card. Someone was using my card to purchase expensive items which I was not aware. I am very grateful for their quick action Reviewed on: 12th July 2020

Safe and Secure

I have every confidence in the M and S Credit Card. I have held it for 5 years without problem and good currency rates fro their Bureau Du Change. Reviewed on: 11th July 2020

They need to sort out their IT DEPT

Sent a online banking pass, will not let me log in, spoke to various people, one man twice each time 3/4hr, said he would ring me back in 48hrs, HA HA its 96hrs now, Thry need to sort out their IT dept, thinking of cancelling this one and go elsewhere USELESS. Reviewed on: 20th June 2020

Online Banking Nightmare

Having had my card for weeks now, I have still not been able to register for online banking despite going through the lengthy process countless times. The final stage of the process involved ringing M&S and waiting forever...never did get an answer. I wasted too much time with this card so it is going to be shredded unfortunately I can't cancel it because that involves ringing a non-answering phone again! Reviewed on: 20th June 2020

Great Credit Card Product

Really good 26 months interest free, super easy to set up and very easy to run with no problems at all. Could do with a slightly more appealing and intuitive phone app but it does the job Reviewed on: 27th April 2020

Dreadful - M & S have lost the plot.

My cheque was returned "Words and figures do not match" Thirteen hundred and eleven pounds matches £1311 doesn't it? The lady from India said that is does not. After nearly an hour on the phone!! I can see why my local Marks and Spencer store has closed. Everything about M & S is now hopeless. Such a shame. Reviewed on: 19th March 2020

credit card rewards spending instore abs out with

Easy to open m&s credit card. Rewarded with M&s s vouchers on set up. Gives preferential rates for associated services and points for shopping instore and out with which a crew over time and are posted out in m& s vouchers quarterly. Online banking straight forward and easy to use. Staff instore and online friendly and helpful. Reviewed on: 9th February 2020

Satisfied shopper

Had reason to complain once . They couldn’t have handled my complaint any quicker , and with a genuine smile Reviewed on: 27th November 2019

appalling

Lost my card they have took teo week to issue a new one then they have to reissue the pin . pathetic Reviewed on: 15th September 2019

Great zero percent purchase period

Really useful zero percent interest on purchases for quite a long period Reviewed on: 9th June 2019

Do you have a different M&S Bank - Marks and Spencer product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Purchase Credit Card
from Bank of Scotland 4.46 from 9 reviews
Advance Credit Card
from Lloyds Bank 3.84 from 55 reviews
Credit Card
from Allied Irish Bank - AIB 3.57 from 6 reviews

There's still more to see!

M&S Bank - Marks and Spencer has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub