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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)

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

Great way to get £25 M&S vouchers free

Use the card once and get £25.00 M&S vouchers free Reviewed on: 4th April 2018

Excellent service and great rewards

The online banking is excellent and it is great to receive M&S points, which add up to M&S vouchers, whenever spending on the card. Reviewed on: 4th April 2018

Never have an M&S Credit Card

Our experience dealing with the closure of an M&S credit card account has been appalling. We have never dealt with such an unprofessional, inefficient and uncaring Bank. Finding a contact Tel number is difficult and the addresses are in various parts of the country. When you do get hold of someone it's a Call Centre and they appear to be unsure how to sort out your query. It took us a great deal of time and exhausted phone calls to sort out something that should have been so easy. We have never had a written apology. It caused a great deal of stress. A warning to those thinking of opening an account with them...DON'T . Please note that this has No Reflection on M&S Retail shops. Reviewed on: 2nd March 2018

M & S are a Joy To Work With

Recently applied for a credit card with M&S. Their correspondence was up quick and clear. I was constantly kept up to date with the progress of my application and prompted to set up my online account which is easy to use and has a nice clean look Reviewed on: 7th February 2018

0% purchase credit card for 25 months

I was in a strange position of being unemployed yet having a decent income through alimony. Most places I applied for online, rejected my application because "computer says no!". They were the only ones who bothered contacting me to confirm my source of income and approved the application. And the product is brilliant :) Reviewed on: 29th January 2018

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