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

Name: Credit Card
Rating: 3.03 (186 reviews)

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2.73

Based on 186 reviews, last reviewed 20th Jun 2025

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

13%

40%

Latest highest rating:

5

Never had any problems and the rewards are good Never had any problems using their credit card and enjoy spending the rewards Reviewed on: 13th June 2025

Latest lowest rating:

1

Shocking service I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to As... Read more Reviewed on: 20th June 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?

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.

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M&S Bank - Marks and Spencer Credit Card reviews (186)

Great Credit Card

Moved to M&S Bank a few years ago. Never had any problems. Reviewed on: 17th July 2020

Age Discrimination

Waiting over 100 days for M & S bank to respond to a chargeback request for a cancelled holiday. They are not sympathetic or helpful to elderly customers. Please don't use M & S if you're not 100% tech savvy. Reviewed on: 16th July 2020

Excellent service

Someone was using my card fraudulently and M&S team sopped it and managed to alert me. They managed to stop a number of the transactions and I am very grateful for their quick and observant action!! Reviewed on: 12th July 2020

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

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