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

Name: Credit card
Rating: 3.60 (209 reviews)

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3.60

Based on 209 reviews, last reviewed 2nd Sep 2026

14% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

39%

13%

37%

Latest highest rating:

5

Very good. Very good. Helped when needed. Happy with the service. What more can isay Reviewed on: 2nd September 2026

Latest lowest rating:

1

FCA warning for being in Arrears, when in Credit I have an M&S credit card mainly used for shopping at M&S on line. A monthly direct debit is in place, which is the responsibility of M&S bank to cla... Read more Reviewed on: 8th August 2026

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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 (209)

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

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

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