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

Name: Credit card
Rating: 3.01 (188 reviews)

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2.69

Based on 188 reviews, last reviewed 14th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

50% decrease in 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

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 (188)

The WORST credit card I've ever had.

I have a credit card with M&S bank. It's the most frustrating credit card I've ever had. When you want to spend online more times than most you receive a text asking you to confirm you've made the transaction, all fine at this point. On then replying "Yes" you have to go back and re enter all your card details. This would be fine but, on more than one occasion this process has happened m, it has ended up with ordering multiple items, even though I've rang to ask if my order has actually been processed. In order to discuss your credit card on the phone (although you've entered your card details, dob etc) you then get asked (yes I've counted) 6 further questions to pass security! The WORST credit card I've ever had. Try AA credit card they're amazing :0) Reviewed on: 22nd August 2020

Declined

well I own my own home, one credit card always paid on time no debt and got refused for a balance transfer no idea what the criteria is but wow wish I looked more into it before I applied judging by reviews. What do i need to do to get one of these entice you in then refuse Reviewed on: 30th July 2020

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

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