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

Name: Credit Card
Rating: 3.02 (175 reviews)

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2.67

Based on 175 reviews, last reviewed 2nd Apr 2025

No new 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

35%

14%

40%

Latest highest rating:

5

A very caring company. A very caring company. If there is a problem it's possible to speak directly to a person instead of going online.In the past I have had reason to cont... Read more Reviewed on: 2nd April 2025

Latest lowest rating:

1

AVOID any financial products at all costs AVOID ! Do not get a loan or credit card with M&S. worst service I have ever recieved since going on maternity leave . Told they had sent letters when... Read more Reviewed on: 14th January 2025

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About this product

The Marks and Spencer credit card reviews on Smart Money People are written by people like you. We’ve got over a hundred genuine reviews to help you to discover more about the pros and cons of the M&S credit card.

With so many credit cards available, it makes sense to shop around to get the one that suits you best. Start by thinking about what you want to use the credit card for, as well as whether you intend to pay what you owe every month, or spread repayments over a longer period of time.

Learning about other peoples’ experiences can also help you make the right choice. Find out more about the M&S Bank credit card by reading our trusted Smart Money People reviews, including what kind of features Marks and Spencers customers like most.

You can also write your own Marks and Spencer credit card reviews to share your experience. Why not include details of the application process, or how helpful customer support services were?

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M&S Bank - Marks and Spencer Credit Card reviews (175)

Review of the M&S Bank - Marks and Spencer, Credit Card:

Unable to speak to a human, unable to use credit car...

Unable to speak to a human, unable to use credit card in a store but can use it elsewhere as a mastercard Reviewed on: 2nd September 2024

Good customer service great at helping me handle my...

Good customer service great at helping me handle my money Reviewed on: 4th September 2024

It's incredibly difficult to service the account.

It's incredibly difficult to service the account. A small amount can be done on the app, most of it needs a login on the website, and it's not clear how to find anything. I tried to amend my direct debit a month or two after opening the account and was unable to do it. I've just mananged to locate the online form which has required me to download my recent statements and submit a significant amount of information, in order to change the direct debit from the minimum to a fixed amount. Why on earth is this made so difficult? On all other credit cards that I've ever had, this can be amended with a couple of clicks on the website. Enormously frustrating. Reviewed on: 9th August 2024

I have been a long standing customer of m&s,and have...

I have been a long standing customer of m&s,and have used their credit card for most transactions.. My credit card was damaged,and I needed a replacement. That is when the trouble began.. My first phone call enabled me to order a new card.. I phoned a week later to be told that there were delays. A week later when I phoned, I was told that the card had not been ordered. A week later it arrived, and the pin arrived. However there was no PIN number in the little box, although l placed it on white paper. I phoned again,and needless to say no PIN number appeared even when scratched with a coin, and held up to the light. I now have to wait another 5 working days for PIN number to appear. What a terrible service to a loyal customer!! Reviewed on: 4th July 2024

Awful service

I would not recommend M&S credit cards I would not recommend M&S credit cards, l have been with them several years and paid my monthly bills even before the statement arrived,on several occasions when l have had to querie somethings I have found the customer services rude and unhelpful, so l have closed my account,M&S have gone down hill over the years Reviewed on: 18th June 2024

Offered in store, very helpful staff.

Offered in store, very helpful staff. Quick process Reviewed on: 2nd June 2024

You can get good 0%APR on some of their credit cards...

You can get good 0%APR on some of their credit cards but no other benefits besides that Reviewed on: 28th May 2024

Good period of 0% on purchases plus rewards.

Good period of 0% on purchases plus rewards. Notifications for every transaction so easy to keep track of spending. Only slight negative is not being able to freeze card in the app but have to call the bank. Reviewed on: 24th May 2024

Great offers and points system.

Great offers and points system. Love to shop with the card Reviewed on: 23rd May 2024

Good but need improvement

Good but need improvement.variety is short and expensive. Reviewed on: 18th May 2024

Appalling Service

I had an M&S credit card with £2,000 limit. Consistently paid on time until lately, when I made 2 payments a few days late due to a family bereavement. Their response? They halved my credit to £1000! I closed my account & found a more understanding card! What an appalling card provider! No customer care whatsoever! Reviewed on: 10th May 2024

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