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

Name: Credit card
Rating: 2.81 (190 reviews)

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2.81

Based on 190 reviews, last reviewed 24th Mar 2026

200% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

36%

13%

40%

Latest highest rating:

5

Always exciting products available at very fair M&S... Always exciting products available at very fair M&S prices and fresh products daily. Reviewed on: 24th March 2026

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 (190)

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

Good service with bonus of getting points to spend at M&S

I find the service at M&S excellent if I have any problems. Also, they are great at monitoring spending patterns to check it anything untoward is happening and detecting fraud. They are easy to reach by phone or online. Reviewed on: 20th June 2016

A good credit card with an excellent personal service

M&S are particularly careful about compromised cards and always let you know if there has been some irregular activity. They are very good to talk to on the phone and speak English and are very caring. I am sad that the points are not as good as before but I stay with them because I trust them. Reviewed on: 20th June 2016

Pain-free rewards and more.

The card was simple to set up and came with in store benefits of 20% off M&S purchases. I receive store vouchers regularly based on the points I build up and online customer service is excellent. Reviewed on: 14th June 2016

Great very helpful

Spoke to some very helpful customer service people and love the money reward vouchers i get Reviewed on: 12th May 2016

Great offers

£30 for signing up, £5 for first use, no interest for 19 months (put money you spent into M&S account and earn 6% interest on the regular savings account) - giving money away Reviewed on: 6th May 2016

Great bonuses

Just taken out an M&S Credit Card - got 2000 points (worth £20) for signing up via a M&S advisor, £5 worth of points following first use (spent £1.55 on "reduced to clear" food items), no interest payable for 19 months (just pay "minimum repayment" per month by DD). Only fault - not contactless. Reviewed on: 21st April 2016

great customer service

was charged twice by a hotel in Rome. When I got my statement rang customer services to discuss. Very helpful , said it was the hotels job to prove I had stayed twice. Excellent service all round , would always use this card in future especially abroad. Reviewed on: 28th March 2016

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