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

Name: Credit card
Rating: 3.69 (206 reviews)

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3.69

Based on 206 reviews, last reviewed 2nd Jul 2026

450% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

39%

13%

37%

Latest highest rating:

5

Helpful and friendly Always helpful with queries. Team members are friendly and welcoming, they listen patiently and provide clear and concise responses and very quickly. ... Read more Reviewed on: 15th June 2026

Latest lowest rating:

2

CAUTIOUS Too caught up in scams to trust a long time customer without issues to fight for higher credit limit than offered. Blames others & not supportive to t... Read more Reviewed on: 2nd July 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 (206)

A good credit card with an excellent personal service

M&S are particularly careful about compromised cards and always let you know if there has been some irregular activity. They are very good to talk to on the phone and speak English and are very caring. I am sad that the points are not as good as before but I stay with them because I trust them. Reviewed on: 20th June 2016

Pain-free rewards and more.

The card was simple to set up and came with in store benefits of 20% off M&S purchases. I receive store vouchers regularly based on the points I build up and online customer service is excellent. Reviewed on: 14th June 2016

Great very helpful

Spoke to some very helpful customer service people and love the money reward vouchers i get Reviewed on: 12th May 2016

Great offers

£30 for signing up, £5 for first use, no interest for 19 months (put money you spent into M&S account and earn 6% interest on the regular savings account) - giving money away Reviewed on: 6th May 2016

Great bonuses

Just taken out an M&S Credit Card - got 2000 points (worth £20) for signing up via a M&S advisor, £5 worth of points following first use (spent £1.55 on "reduced to clear" food items), no interest payable for 19 months (just pay "minimum repayment" per month by DD). Only fault - not contactless. Reviewed on: 21st April 2016

great customer service

was charged twice by a hotel in Rome. When I got my statement rang customer services to discuss. Very helpful , said it was the hotels job to prove I had stayed twice. Excellent service all round , would always use this card in future especially abroad. Reviewed on: 28th March 2016

Great credit card

I have been really happy with this credit card. Every quarter I receive vouchers for the points I have amassed, and also £5 vouchers extra to spend on anything occasionally. There are also mailings of extra point vouchers, and money off vouchers regularly. When I needed to contact the customer service they were excellent. Reviewed on: 28th March 2016

I enjoy using my card to get rewards

I love getting M and S vouchers every quarter for using my credit card - it makes me feel happy and valued Reviewed on: 18th February 2016

A rewarding credit card

Points are converted into M&S reward vouchers four times a year and posted to your door. Up to 55 days' interest free credit Reviewed on: 25th December 2015

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

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