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

Name: Credit card
Rating: 3.01 (188 reviews)

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2.69

Based on 188 reviews, last reviewed 14th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

50% decrease 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

I'm having trouble getting online banking. I'm having trouble getting online banking. My son tried (I'm 87) he said it's a terrible website. I phoned ON SATURDAY to set it up, your rep couldn't... Read more Reviewed on: 14th October 2025

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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 (188)

Credit Card

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

Clear bills

Good clear bills, easy to pay. Apr could be better. Reviewed on: 23rd June 2017

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

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