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

Name: Credit Card
Rating: 3.01 (174 reviews)

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2.66

Based on 174 reviews, last reviewed 14th Jan 2025

100% increase in 5 star reviews

in the past 90 days

25% decrease 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

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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.

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

Review of the M&S Bank - Marks and Spencer, Credit Card:

Good period of 0% on purchases plus rewards.

Good period of 0% on purchases plus rewards. Notifications for every transaction so easy to keep track of spending. Only slight negative is not being able to freeze card in the app but have to call the bank. Reviewed on: 24th May 2024

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

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

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