Write a review

Go to business site

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

Name: Credit card
Rating: 2.97 (195 reviews)

View other M&S Bank - Marks and Spencer products

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

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 (195)

&more rewards hit and miss

It is getting hit and miss whether your &more show up. It is no use advertising a 1% reward and then not hitting your statement. I have gone back to non-brand credit cards which offer less cash back (0.5%) but it least it reliably turns up Reviewed on: 16th June 2025

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

Very happy with them as a whole, always easy to get...

Very happy with them as a whole, always easy to get hold of on the phone! So far they’ve honoured their word and sorted out any issues I’ve faced rapidly. Can’t fault them! Reviewed on: 13th June 2025

Excellent customer ssrvice

When I had a problem getting a deposit back for a wet room from a company who let me down they were brilliant, defunded my money and sorted it out with the supplier Reviewed on: 12th June 2025

Easy to use app and online.

Easy to use app and online. Helpful telephone customer service. Excellent 0% apr deal. Reviewed on: 12th June 2025

Trustworthy Credit Card

I have been an M&S credit card holder for many years, never had a problem with it or the service provided. Reviewed on: 12th June 2025

Making it STUPIDLY difficult to sign in without your...

Making it STUPIDLY difficult to sign in without your App , constantly pushing you to have the App . I’ve decided I don’t want the credit card now and will cancel it ! Reviewed on: 12th May 2025

Really disatisfied. Not recommended.

MS Bank offered me a credit card with a decent ammount of credit. I only used 1/3 of that credit for one time and start making my monthly repayments. After 5 months, I accidentanly cancelled my direct debit because i was willing to increase the monthly payment and unfortunately for the 1st ever not only with MS Bank but with others credit cards, i forgot to make my payment. Without them not even sending a message or a phone call to find out what happened, they sent a letter asking for the minimum ammount and the interest and at once before even me realizing what happened and ofcorse repay them (which i had every intention to do at once) they even reduced my credit in half! I have a good credit score, money savings and all the payments of my life in perfect order. I was really disatisfied with such practices by MS Bank. A phone call the next day of me missing a single payment after many months would have sold the "problem" in secs. They 've cut my credit in half, without me even have a chance to explain and apologise for my negligence. Reviewed on: 23rd April 2025

Disappointed as a long- term customer

I recently fell foul of the dreaded terms and conditions. I bought some travel money online and used Applepay (on which my M&S card is the most used) so automatically used it to pay for the transaction. Not only did they charge me over £15 handling fee but they added interest on as well. I have been a fan of M&S but no longer. Reviewed on: 5th April 2025

Impossible to make balance transfers to new card.

Impossible to make balance transfers to this new card via the app or online. Tried loads of times with unspecified errors. Had to phone them up in the end. Didn't really give satisfactory explanation on phone as to why there were issues but they were aware of it going on for some time. Reviewed on: 5th April 2025

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

Aquis Card
from Vanquis 4.31 from 41 reviews
Credit Builder
from Chime 0.00 from 0 reviews
Everyday Credit Card
from Creation 2.66 from 20 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
Monthly Saver
from M&S Bank - Marks and Spencer 4.46 from 7 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