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

Name: Credit card
Rating: 3.65 (205 reviews)

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3.66

Based on 205 reviews, last reviewed 15th Jun 2026

1300% 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:

1

Rejected for an M&S Credit Card I applied for a credit card and got turned down.. No one at M&S Bank was able to explain why. My credit score is excellent and I was pre-approved for ... Read more Reviewed on: 13th June 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 (205)

marks and spencer rewards

Really good customer service. I phoned them as a hotel had charged me twice for same night stay. Very quickly resolved. Only had to fill in one form and everything sorted out very quickly. Love getting the reward vouchers through with long expiry dates. Always saved up for christmas. Reviewed on: 24th December 2015

handy card

applied for this when they were offering a £20 gift card for taking out. Handy card with a good credit limit and gives cashback in marks vouchers Reviewed on: 24th December 2015

Always made to feel special, excellet customer service

I use my card regularly for most or both instore and other purchases. I am pleased with my rewards and use them for personal treats. Making payments towards your card in store at the till is a feature which I have embraced. Reviewed on: 5th November 2015

great

no problems at all with this card and you get points which convert to vouchers Reviewed on: 28th August 2015

DHandling quirries

What ever the query, staff are always courteous and polite to enable the problem to be solved. Reviewed on: 9th August 2015

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