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

Name: Credit Card
Rating: 3.02 (173 reviews)

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2.69

Based on 173 reviews, last reviewed 6th Jan 2025

100% increase in 5 star reviews

in the past 90 days

50% 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

The worst customer service I have ever encountered M&S Bank (actually HSBC) without doubt the worst customer service I have ever encountered. The whole organisation is incompetent and indifferent. Even... Read more Reviewed on: 6th 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.

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?

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M&S Bank - Marks and Spencer Credit Card reviews (173)

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

Good period of 0% on purchases plus rewards.

Good period of 0% on purchases plus rewards. Notifications for every transaction so easy to keep track of spending. Only slight negative is not being able to freeze card in the app but have to call the bank. Reviewed on: 24th May 2024

Great customer service

Easy ways to pay, good rates, earn points with any purchase. They don' t automatically increase your credit allowance, but raised mine without problem after checking my credit rating after contacting them. Reviewed on: 19th November 2017

What customer service??

Very poor customer service! Trying to charge interest when the error is between them and my bank..... made payment they bounced it back then charge me full interest as if i hadnt made any payment. Fact was i paid 2850 and paid a 200 figure from my other account.... (it only needed £180 to pay off due to a credit) but they want ro charge full interest on £3k.... until my statement came through.... so less than 10 days £118. . They refused the good will and im going to tackle my bank tomorrow.... will be cancelling my m&s card now. Reviewed on: 18th November 2017

Good online services

I have so far enjoyed banking with M&S Reviewed on: 29th June 2017

Excellent product

M&s credit card is easy to use and you get points when you use it and vouchers to spend in store Reviewed on: 29th June 2017

Credit Card

Got a credit card with M&S, the offer was great 25 months free interest, also to add the customer service is excellent each time I rang. Reviewed on: 23rd June 2017

Clear bills

Good clear bills, easy to pay. Apr could be better. Reviewed on: 23rd June 2017

THE BEST BANK

EFFICIENT, HELPFUL AND ALWAYS THERE TO HELP Reviewed on: 11th June 2017

Best card

I have had this card for a few years now and picked it because it had a zero interest rate on purchases of 15 months which was really useful for purchases like a tv. Reviewed on: 11th June 2017

Solid service

Frequent 0% balance transfer options, competitive APR. Reviewed on: 31st May 2017

good product horrid website

The website and the portal to administer the credit card is lacking. There is no way to actually administer the account as all the features end up firing off a contact form. So changing the direct debit amount is pointlessly difficult. Reviewed on: 31st May 2017

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