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

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2.71
Based on 187 reviews, last reviewed 8th Aug 2025
400% increase in 5 star reviews
in the past 90 days
33% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
36%
See only 4 star reviews
13%
See only 3 star reviews
6%
See only 2 star reviews
5%
See only 1 star reviews
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
Margaret's avatar
Margaret

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
Julie s's avatar
Julie s
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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)

Inefficient & bureaucratic

1
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
Matthew Lee's avatar
Matthew Lee

useless

1
I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2 weeks later still no card I have given up. Reviewed on: 18th December 2017
Anonymous's avatar
Anonymous

useless

1
I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2 weeks later still no card I have given up. Reviewed on: 18th December 2017
Anon's avatar
Anon

Poor Customer Service

1
Well applied for the M & S Credit Card to take advantage of the free vouchers and as I dont get any incentives with my current credit card and I do shop at M & S weekly I thought this would be ideal...... how wrong! I applied on line and within a few days advised I had been "approved" sent back the t's & c's and completed the direct debit form. nothing received apart from another form asking me to sign and return which I did...... After calling customer services today almost 2 months since I was "approved" to request where my card was, I have been advised they received all my signed paperwork on 28th October.... its now 6th December and no card and they "do not know when" I will receive my card, so Im thinking ok I will cancel this as its pretty useless. They have my bank details my info and I dont have a card so trying to cancel is soooo hard. Ive now been on hold some 15 minutes waiting to speak to the "applications" department as the guy in customer services can only help me if I want a new card!!!! YES I DID WANT A NEW CARD BUT NOT NOW as I have no idea when it will turn up. Ive asked to have confirmation that my application is cancelled buy yes you guessed it the guy in applicants cant do that and they wont send out a letter or email. Im now away for approx 4 weeks and dont want a card now anyway. Finally spoken to customer services who have confirmed documents received 28th October and realistically if i want a card my application has now expired so would need to apply again and lose out on the offer of ££££. Very helpful person at customer services saying she would try and see if i can still get the card but having worked in finance i know the card would only be issued within 28 days of the credit check.... heyho M & S - hopefully my card is cancelled and I will receive a letter confirming as such..... very sorry for the rant M & S you are usually so good!! Reviewed on: 6th December 2017
Lynn's avatar
Lynn

Very poor customer service - almost to the point of not telling the whole story to customers

2
Opened an M& S Credit card account recently. I asked to pay full balance every month by Direct Debit but forms did not arrive so chased them up and was told I could arrange it over the phone. Did so and was told my payment would be made by due date, even though I queried it. Payment did not come off my bank even though the direct debit has been set up. When I telephoned I asked to pay the full amount by card so as not to incur fees but was told that I would incur fees EVEN THOUGH THIS IS THEIR FAULT. Customer service representative was asked twice if the payment could be taken on time and reassured me that it could - now she says it will take 10 working days but never told me that in the first place. I will be changing account suppliers ASAP as I do not like being lied to. If she knew it took 10 days why did she not tell me that when I originally set up the direct debit then I could have made a payment online to cover myself. I have an otherwise unblemished credit record and this has spoiled it. It has also spoiled my belief in M & S and I shall not shop there again. Reviewed on: 25th November 2017
Gordon's avatar
Gordon

Great customer service

5
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
Jane Wells's avatar
Jane Wells

What customer service??

1
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
Victoria 's avatar
Victoria

Good online services

4
I have so far enjoyed banking with M&S Reviewed on: 29th June 2017
cassie johnson's avatar
cassie johnson

Excellent product

4
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
Julie Pearson 's avatar
Julie Pearson

Credit Card

5
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
marcelina dobrzanska's avatar
marcelina dobrzanska

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