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

Name: Credit card
Rating: 3.02 (187 reviews)

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2.72

Based on 187 reviews, last reviewed 8th Aug 2025

100% decrease in 5 star reviews

in the past 90 days

75% 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

Cant pay cc in store colossal mistake .. Today I receive letter telling me I can no longer pay in store!!!! Now has to be a DD or online banking . I don’t like online banking plus many people... Read more Reviewed on: 8th August 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 (187)

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

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

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