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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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2.71

Based on 188 reviews, last reviewed 14th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

No new 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)

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

Helpful, supportive and contactable

Helped with problems, supportive around concerns, listened and provided options to move forward and resolve issues Reviewed on: 2nd February 2017

Brillant shop

Suffering with a long term disabilty I buy a lot of clothing on line from M&S. They are alwys helpful if I had trouble ordering or returning the goods. The staff are polite and will always do their best to help you. Reviewed on: 1st February 2017

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

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

100% decrease in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

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

M&S Bank - Marks and Spencer Credit card reviews (188)

THE MOIST HELPFUL AND RELIABLE BANK

Good extras but make sure you get them!

Helpful, supportive and contactable

Brillant shop

M&S consumer rights protection unprofessional

Points scheme is great

Love the rewards

Points have been reduced

Good interest free period

Reduced rate

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

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