Write a review

Go to business site

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

Name: Credit card
Rating: 3.02 (187 reviews)

View other M&S Bank - Marks and Spencer products

2.74

Based on 187 reviews, last reviewed 8th Aug 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

Cant pay cc in store colossal mistake .. Today I receive letter telling me I can no longer pay in store!!!! Now has to be a DD or online banking . I don’t like online banking plus many people... Read more Reviewed on: 8th August 2025

Read all reviews Write a review

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.

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 (187)

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

Good and Reliable

M&S Bank are really helpful and watch my account for any suspicious activity and always manage to sort it out if there is a problem. Reviewed on: 16th October 2016

Points

Buying products using my m&s card is brilliant because of the points gained from it. These points get added up and turned into vouchers which i can use in store Reviewed on: 14th October 2016

awful rewards scheme

i am disappointed by the recent handling of my vouchers. First of all they send you rewards every quarter through the post. it would be better that you can have a log and claim points accordingly. recently I realised that £21 worth of vouchers had expired 2 days before. I contacted both customer service and the stores; very unhelpful and essentially refusing to exchange my vouchers. The rewards scheme is done in a way that you can end up losing the vouchers, lose track and not claim them in time. look elsewhere. i have another card and it is so much better. Will switch provider without any doubt after this recent issue. Reviewed on: 26th September 2016

Shocking customer service

Major problems with them trying to to a balance transfer to another credit card. After waiting 6 working days for it to happen, (after being told it would take 3) I cancelled the balance transfer. One week later the balance transfer took place even though it had been cancelled by telephone, secure message and email. No one got back to me after sending complaint after complaint. Thoroughly disgusted with their level of service Reviewed on: 9th September 2016

Good company who car for their customers

M&S Bank are always ready to listen and help their customers. I am impressed by the trouble they take and their care of their credit card holders. If there is a problem they sort it quickly and cheerfully. Reviewed on: 29th June 2016

Rewarded with M&S vouchers

This really is worth having. Every quarter you receive vouchers for M&S just for using the card. Have recommended to several people who all agree this really is good value. Reviewed on: 22nd June 2016

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

British Airways credit card
from American Express 4.19 from 81 reviews
Credit card
from Debenhams 2.38 from 13 reviews
Clear Rate Platinum Credit Card
from NatWest 4.53 from 18 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 4.25 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