Write a review

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

Name: Credit Card
Rating: 3.03 (186 reviews)

View other M&S Bank - Marks and Spencer products

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

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 (186)

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

Nice company you to deal with

Always very happy dealing with M@S Reviewed on: 30th May 2017

Helpful and friendly customer service, issues with sign up vouchers

I have been very impressed with the M&S credit card which I applied for due to the excellent 18 month 0% interest for purchases and balance transfers. The initial application was swift and easy, however the £30 voucher sign up incentive took over 3 months to arrive. I recently changed my payment to direct debit and this was arranged quickly and easily over the phone by the friendly and helpful customer service helpline. Reviewed on: 13th May 2017

Good customer service

Really good customer service 24/7 and picked up quickly when my card was cloned Reviewed on: 1st May 2017

Diabolical customer care

My husband has an M & S credit card. He recently asked to add myself as a second card holder. Easy you would think. I have lived in the UK for nearly 50 years. I pay taxes, I work, I am registered to vote, I have had my own bank account for over 38 years. No apparently they can't find me so want written proof. And this nugget was given to us after 5 lengthy phone calls. They talk from a script and promise to get back to you but they never do. There customer service team can have limited English skills which make the whole process even more painful. So no joy with M and S - just left feeling frustrated. At least my bank , Lloyds, managed to complete their own security checks and issue my husband a card within 5 working days - look and learn M & S because you have now lost a customer. Reviewed on: 14th March 2017

THE MOIST HELPFUL AND RELIABLE BANK

Whether on line or in store the staff are always very helpful and will always try their best to resolve any quries or issues. Over 30 years of experiences with them so far I have only encounted two not very helpful and pleasant staff. Reviewed on: 12th February 2017

Good extras but make sure you get them!

Appealing joining incentive but I had to chase them to get it, and have had to make several customer complaints since regarding the reward incentive vouchers not tracking properly. Be warned, they take the "customer is always wrong" approach and it takes several emails back and forth before they accept you are right! If you're prepared to do that though there are some good bonuses to be had, especially if you shop in M&S regularly. Reviewed on: 7th February 2017

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

Credit Card
from Wave 2.33 from 3 reviews
Black Diamond Visa
from Vanquis 4.73 from 8 reviews
Platinum Credit Card
from Lloyds Bank 4.24 from 48 reviews

Want to see more from M&S Bank - Marks and Spencer?

Fixed Rate Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Everyday Savings
from M&S Bank - Marks and Spencer 5.00 from 1 reviews
Investments
from M&S Bank - Marks and Spencer 4.20 from 3 reviews

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