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

Name: Credit Card
Rating: 3.03 (186 reviews)

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2.73

Based on 186 reviews, last reviewed 20th Jun 2025

400% increase 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

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

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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.

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.

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M&S Bank - Marks and Spencer Credit Card reviews (186)

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

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

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