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

Name: Credit Card
Rating: 3.03 (186 reviews)

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2.70

Based on 186 reviews, last reviewed 20th Jun 2025

600% increase in 5 star reviews

in the past 90 days

33% increase 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

Shocking service I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to As... Read more Reviewed on: 20th June 2025

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M&S Bank - Marks and Spencer Credit Card reviews (186)

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

marks and spencer rewards

Really good customer service. I phoned them as a hotel had charged me twice for same night stay. Very quickly resolved. Only had to fill in one form and everything sorted out very quickly. Love getting the reward vouchers through with long expiry dates. Always saved up for christmas. Reviewed on: 24th December 2015

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

credit card de-activated without informing customer

Had the m&s bank credit card for a couple of year now, not sure if it's me but chip keep failing on me about 3 times since getting the card . This time when reported to M&S bank credit card department. Was told my card been de-activated by them due to them sending me a replacement card out as the old one is expiring in a couple of months time but no information sent to me to inform me that would be the case. Just think you going to do shopping and only card you got is M&S credit card and get declined, what an embarrassment having to leave without the shopping. When asked why it was de-activated while the replacement card is sent out, told basically it is their policy...even if it is their policy ...shouldn't M&S informed their customer that a new card is being sent out and they will not be able to use the card?????? so be warn, if you don't want all this problem of card failure and card being de-activated when you have not done anything wrong and them sending out replacement card due to old one is coming to expire.>>>>AND YOU DO NOT GET ANY NOTIFICATION THAT THEY HAVE DE_ACTIVATED YOUR CARD. p.s you got the impression that whoever was at the other end of the phone was not even paying any attention to you when you try to make your point on the phone to me. pps Will be cancelling the card very soon as I can not justify all the problem I have encountered with M&S customer through the time I been with them which I have not listed out...one thing for certain THEY ARE NOT A LISTERNING BANK?/CUSTOMER SERVICE latest....called up M&S customer service to make an official complaint after finding out that they do not de-activate your card while sending out replacement card that expires in a couple of months time . They just basically forbing me off and keeping me on hold for 20minutes saying now that they cannot check if anything was wrong with the old card because I had the new card activated. By that time I was very annoyed and hang up and will def. closing the account once my account balance is zero as current I am in credit. Reviewed on: 28th January 2018

Inefficient & bureaucratic

The attraction of the card is the points but, despite receiving about 40 pages of legalese, at no point is any explanation given about how the points work. Online customer services are no help. There is no option to apply for a second card when opening the account. It takes a 15 minute phone call to persuade somebody to send you an application form for a second card but then a refusal to issue one until certified passport copies or similar are posted off. Only a very restricted list of professions are accepted as suitable to certify the documents. Just not worth the effort! Reviewed on: 26th January 2018

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