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

Name: Credit Card
Rating: 3.01 (174 reviews)

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2.66

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

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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.

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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.

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

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

Good but need improvement

Good but need improvement.variety is short and expensive. Reviewed on: 18th May 2024

Overpayments not allowed a bank that refuses money !

I look for interest free credit card deals to pay annual golf fees. I over pay each month so I am in credit the following year. I have done this for a number of years with different credit cards. M&S is the only credit card I know that does not allow overpayments. They returned monthly payment once statement in credit but did not notify me. Which bank refuses payments from customers? Poorly informed customer service. I could not recommend them to anyy Reviewed on: 24th April 2019

Good balance transfer deal

I was able to transfer my credit card balance for a very good 18 months at 0%, plus 6 months 0% on purchases. Reviewed on: 15th April 2019

Excellent customer services, helpful and acccomodating. Good rates and clear information

Excellent customer services, helpful and acccomodating. Good rates and clear information. My recent experiences needed help resolving an issue with my account were dealt with helpfully, professionally and very satisfactorally. Very good customer services and no issues with website or information. Clear statements and all round good services. Rates good as well Reviewed on: 10th February 2019

How to apply for credit circa 1986

After seeing them come up on several comparison sites including moneysupermarket who I usually find quite trust worthy, I thought I'd give this one a go as I wanted to carry out a 0% interest balance transfer. Well, the only modern part of the application was applying for it online. When I read I'd receive the terms in the post I presumed the card would come along with it too, alongside my limit. Well they did send terms but that was for me to sign and return before they send a card. (Do they recruit people who did office work in the 80s and couldn't adapt to computers?) . So after receiving my card I wanted to sort out the balance transfer, to do this I had to register for an account, but to pass the security questions I needed to know my limit, at which point I couldn't proceed because they hadn't told me. I then had to call someone who went through enhanced security in order to sort this out. The app is very outdated, you can't even amend the way you want to make a payment, or change the amount, you have to call! Very clunky, so far not amazed. Will see how this goes long term. Reviewed on: 7th February 2019

Loyalty points are great!

Love our M&S credit card, especially seeing the points total increase just by using it for everyday spending. Reviewed on: 26th January 2019

Slow Delivery, Average App, Good Offer

It takes nearly a month from application to delivery of card. The app for online banking is very basic. I chose to apply for this card over others due to the reward/cashback potential that comes with accumulating points for vouchers and the introductory points to get an easy £25 to spend at M&S - all it takes! Reviewed on: 13th November 2018

Simply the best.

Fantastic customer service, interest rate 5% also 5% on the yearly monthly saving account you won't get much better than this. Reviewed on: 8th November 2018

Slow!

Requested a credit card approximately a month ago and still not received my card. Was told it takes 2 weeks from returning paperwork which I did promptly. I rang after 2 weeks to see if they had paperwork and was told ‘yes we got it but we’re really busy at the moment - wait for another 2 weeks’. Still not got it. I will then have to order the second card for my wife as can’t order 2 straight away. They don’t even confirm for definite what the actual credit limit is until you get the card. Compared to other companies really slow service and delaying me from purchasing some big items from M&S ironically Reviewed on: 12th October 2018

Excellent company

M and S Bank is easy to work with and the customer service is extremely good. The online service is easy to use and efficient. Reviewed on: 17th July 2018

Not Great

Not the best service really. Took 3 weeks to get a card at all, I had to return paper terms and conditions which they misplaced for a week. No additional cardholder like I requested, got to wait 2 weeks to have the additional cardholder credit checked!? App and online banking are very basic, can't view cardholders or view/change direct debit. App doesn't show pending transactions, only complete ones. Card constantly asks for 3dsecure password when making payments. Reward points are extremely low. Only plus side is the actual deal - I got a high limit and 30 months purchase interest free. Reviewed on: 7th June 2018

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