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

Name: Credit card
Rating: 3.02 (187 reviews)

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2.71

Based on 187 reviews, last reviewed 8th Aug 2025

400% increase in 5 star reviews

in the past 90 days

33% 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

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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 (187)

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

marks and spencer rewards

Really good customer service. I phoned them as a hotel had charged me twice for same night stay. Very quickly resolved. Only had to fill in one form and everything sorted out very quickly. Love getting the reward vouchers through with long expiry dates. Always saved up for christmas. Reviewed on: 24th December 2015

handy card

applied for this when they were offering a £20 gift card for taking out. Handy card with a good credit limit and gives cashback in marks vouchers Reviewed on: 24th December 2015

Always made to feel special, excellet customer service

I use my card regularly for most or both instore and other purchases. I am pleased with my rewards and use them for personal treats. Making payments towards your card in store at the till is a feature which I have embraced. Reviewed on: 5th November 2015

great

no problems at all with this card and you get points which convert to vouchers Reviewed on: 28th August 2015

DHandling quirries

What ever the query, staff are always courteous and polite to enable the problem to be solved. Reviewed on: 9th August 2015

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