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

Name: Credit card
Rating: 2.97 (195 reviews)

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2.97

Based on 195 reviews, last reviewed 17th Apr 2026

600% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

37%

13%

39%

Latest highest rating:

4

Great option for a long term zero interest credit ca... Great option for a long term zero interest credit card with M&S voucher cashback on spend. Reviewed on: 17th April 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 (195)

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

Great credit card

I have been really happy with this credit card. Every quarter I receive vouchers for the points I have amassed, and also £5 vouchers extra to spend on anything occasionally. There are also mailings of extra point vouchers, and money off vouchers regularly. When I needed to contact the customer service they were excellent. Reviewed on: 28th March 2016

I enjoy using my card to get rewards

I love getting M and S vouchers every quarter for using my credit card - it makes me feel happy and valued Reviewed on: 18th February 2016

A rewarding credit card

Points are converted into M&S reward vouchers four times a year and posted to your door. Up to 55 days' interest free credit Reviewed on: 25th December 2015

Great

Their customer service is amazing. Once I accidentally bought the same item twice, so they called me and checked that I had meant to do this and I hadn't so they cancelled the order. Reviewed on: 24th December 2015

Excellent

They have brilliant customer service. Somebody somehow managed to get my credit card details and tried to buy lots of DVD's with them but M&S recognised that this was not normal for me and blocked it. Reviewed on: 24th December 2015

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