Write a review

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

Name: Credit Card
Rating: 3.01 (174 reviews)

View other M&S Bank - Marks and Spencer products

2.64

Based on 174 reviews, last reviewed 14th Jan 2025

100% decrease in 5 star reviews

in the past 90 days

300% increase 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

AVOID any financial products at all costs AVOID ! Do not get a loan or credit card with M&S. worst service I have ever recieved since going on maternity leave . Told they had sent letters when... Read more Reviewed on: 14th January 2025

Read all reviews Write a review

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.

Review M&S Bank - Marks and Spencer: Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

M&S Bank - Marks and Spencer Credit Card reviews (174)

M&S consumer rights protection unprofessional

One reason we use credit cards is so that any fraudulent purchases or purchases made and the goods are delivered broken or unfit for use are covered for. Well, certainly not with M&S. They try every conceivable way to come out of their promise to protect consumer rights and make it so cumbersome most of wouldn't have the time to deal with it. Their disputes team can only be reached in India. They take your details and promise to follow it up and that someone will give you a call back within 48 hours but that certainly never happens. Julie Inglis their senior dispute member is a joke I received a luxury high quality garment with broken zips. M&S responded 2 months after I wrote to them, and rather comveniently on 23rd Dec with an absurd answer - by Julie Inglis - and shut the case. I contacted them again and 7 days later am still awaiting a response. Reviewed on: 6th January 2017

Points scheme is great

It's great that you get points on your shopping as well as extra treats occasionally Reviewed on: 19th December 2016

Love the rewards

The M&S credit card is great because of all the reward points you can get, and vouchers to spend from them! Reviewed on: 15th December 2016

Points have been reduced

I use the M&S Mastercard & like other reviewers here, agree that the reduction in benefits only rank it 'just OK'. Reviewed on: 13th December 2016

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

Do you have a different M&S Bank - Marks and Spencer product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Avios Rewards Credit Card
from Lloyds Bank 4.01 from 59 reviews
Purchase Credit Card
from Bank of Scotland 4.42 from 9 reviews
Credit Builder
from Chime 0.00 from 0 reviews

There's still more to see!

M&S Bank - Marks and Spencer has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub