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

Name: Credit Card
Rating: 3.04 (170 reviews)

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2.67

Based on 170 reviews, last reviewed 20th Nov 2024

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

35%

15%

39%

Latest highest rating:

4

Very good product Very good product not the same as others. Reviewed on: 4th September 2024

Latest lowest rating:

2

Contacting them is near impossible! Contacting them is near impossible! Their sign in process is too complex. (HSBC based!) App and site are 'Olde-worlde'! Phone contact (eventually) is ... Read more Reviewed on: 20th November 2024

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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?

Smart Money People is the UK’s largest financial services review site. Together, we can make financial services work better for everyone. Read or write an M&S credit card review below.

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M&S Bank - Marks and Spencer Credit Card reviews (170)

Good interest free period

It's not amazing but better than OK as you get points for spending in M&S and a good long interest free period and gift voucher introductory offer Reviewed on: 9th December 2016

Reduced rate

The card used to be amazing because of the reward points but they've been reduced so now is just OK. Reviewed on: 8th December 2016

Love it

Love this card! It's easy to accumulate points which convert into vouchers which I can use instore or save up towards my Christmas shopping. I pay off in full every month so the APR doesn't really concern me Reviewed on: 6th December 2016

A credit card with great benefits

I love this credit card. I can accumulate points each time I shop and every 2 months they will translate the points into vouchers to shop at marks and spencers. It's a great help. Reviewed on: 29th November 2016

Rewards

The M&S credit card is good, I like the rewards you get - spending them on me! Reviewed on: 29th November 2016

Just OK

I pay my MasterCard off each month but only really got it for the "points" although they have diminished in value. So a "just OK" from me. Reviewed on: 28th November 2016

A reasonable card, nice rewards

This card is one I use for everyday spending. As I always pay in full every month the APR doesn't really concern me. The rewards, though a little slow to accumulate, are a nice bonus - especially come Christmas time when I tend to buy more things from M&S anyway. Reviewed on: 29th October 2016

Good and Reliable

M&S Bank are really helpful and watch my account for any suspicious activity and always manage to sort it out if there is a problem. Reviewed on: 16th October 2016

Points

Buying products using my m&s card is brilliant because of the points gained from it. These points get added up and turned into vouchers which i can use in store Reviewed on: 14th October 2016

awful rewards scheme

i am disappointed by the recent handling of my vouchers. First of all they send you rewards every quarter through the post. it would be better that you can have a log and claim points accordingly. recently I realised that £21 worth of vouchers had expired 2 days before. I contacted both customer service and the stores; very unhelpful and essentially refusing to exchange my vouchers. The rewards scheme is done in a way that you can end up losing the vouchers, lose track and not claim them in time. look elsewhere. i have another card and it is so much better. Will switch provider without any doubt after this recent issue. Reviewed on: 26th September 2016

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