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

Name: Credit Card
Rating: 3 (177 reviews)

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2.62

Based on 177 reviews, last reviewed 5th Apr 2025

No new 5 star reviews

in the past 90 days

50% 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

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) ... Read more Reviewed on: 5th April 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 repaym...

M&S Bank - Marks and Spencer Credit Card reviews (177)

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

Very deceitful

It started when I was trying to obtain a replacement card as I had my wallet stolen from a supermarket. I do not use the card as it was used as a zero balance transfer. I suspect that this is why they are just not sending me a replacement card. I have tried several phone calls, asking for copies of transcripts of conversation, copies of statements and of course replacement cards. Nothing as happened. I received nothing over then my DD had been stopped, which I did stop... Reviewed on: 20th January 2021

Terrible time trying to claim money back under secti...

Terrible time trying to claim money back under section 75. Unhelpful staff who wouldn't let me appeal their decision. Reviewed on: 5th September 2024

Very good product

Very good product not the same as others. Reviewed on: 4th 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

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

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 a... 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... 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

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