Write a review

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

Name: Credit Card
Rating: 3.05 (171 reviews)

View other M&S Bank - Marks and Spencer products

2.71

Based on 171 reviews, last reviewed 28th Nov 2024

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

15%

38%

Latest highest rating:

5

Bonus for signing up They accepted me for a 20 month interest free credit card through snoop app. Also got a nice 20£ voucher for applying through snoop.The app is identic... Read more Reviewed on: 28th November 2024

Latest lowest rating:

2

Contacting them is near impossible! Contacting them is near impossible! Their sign in process is too complex. (HSBC based!) App and site are 'Olde-worlde'! Phone contact (eventually) is ... Read more Reviewed on: 20th November 2024

Read all reviews See your review

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?

Smart Money People is the UK’s largest financial services review site. Together, we can make financial services work better for everyone. Read or write an M&S credit card review below.

M&S Bank - Marks and Spencer Credit Card reviews (171)

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

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

Nothing exceptional does what is says on the tin.

nothing exceptional does what is says on the tin. Reviewed on: 14th March 2024

Amateurish

Transactions take days to appear....every other CC app is immediate. Far too much approval of transactions.....£2.63 in a Weths less than 30 mins after approving a previous transaction in the same place....pathetic. Reviewed on: 23rd February 2024

The call centre is based in the Philippines, and the...

The call centre is based in the Philippines, and the cant communicate with the Chester Office of the bank, which appears to be virtual. This is a really poor set up for M&S to be associated with. Reviewed on: 15th February 2024

Absolutely horrible customer service.

Absolutely horrible customer service. The phone lines are awful. They make it most difficult and painful for you. Reviewed on: 8th February 2024

Brilliant service.

I was taken in by an online scam . My own fault , but M&S credit card refunded my money after contacting them. Cannot rate them highly enough. It was my own stupid fault, but they refunded me. Reviewed on: 25th November 2023

Automated payment service

I have had this credit card for about 6 months now and ever time I try to pay my bill I have nothing but problems with the automated phone service you put all your details in and you get this stupid code to put in and then it goes to customer service WHATS THE POINT OF AN AUTOMATED PHONE SERVICE IF YOU ARE THEN PUT THROUGH TO AN ADVISER THAT CANT UNDERSTAND OR SPEAK ENGLISH , absolute RUBBISH SYSTEM. Reviewed on: 19th November 2023

Account Closure

Had a M&S card now for over 2 years with a low Credit Limit of £1,000. My Experian credit rating is 979 out of 999. I have always paid my card within the time limit. I have recently put £145. 00 on it which is the only expenditure this month. Just had an email closing my account with no explanation. This has not caused any hardship and I have paid the card off in full, however this type of banking could put legitimate card holders in a serious financial position. This situation should be looked at in detail. Reviewed on: 21st August 2023

Excellent

Brilliant card, great app and rewards. Reviewed on: 10th August 2023

Straightforward credit card with discount vouchers

Straightforward credit card account with offers such as zero% interest on certain balance transfers and collect points towards discount vouchers. Like other large retail organisations the discount levels ( a percentage of spend ) have recently been reduced to £1 for £!00 spend in M&S and £1 for £500 spend outside M&S. Therefore, the credit card is more likely too appeal only to frequent M&S shoppers . Reviewed on: 29th July 2023

What am I paying for?

Ive been charged 2 lots of £10 (£20) and not had a welcome pack or any vouchers which is the whole point of the rewards card. I have spent ages on the app talking to a computer to get the welcome pack and still nothing. The customer service is terrible. I will pay off the £20 and cancel the card asap so i dont just keep paying for nothing. Reviewed on: 24th July 2023

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

There's still more to see!

M&S Bank - Marks and Spencer has a range of products available. Check the ratings of each product to find the right one for you. 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