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

Name: Credit Card
Rating: 3.05 (171 reviews)

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2.70

Based on 171 reviews, last reviewed 28th Nov 2024

100% increase in 5 star reviews

in the past 90 days

100% increase in 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

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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.

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

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

Good extras but make sure you get them!

Appealing joining incentive but I had to chase them to get it, and have had to make several customer complaints since regarding the reward incentive vouchers not tracking properly. Be warned, they take the "customer is always wrong" approach and it takes several emails back and forth before they accept you are right! If you're prepared to do that though there are some good bonuses to be had, especially if you shop in M&S regularly. Reviewed on: 7th February 2017

M&S gave me a excellent credit card with a good 0% o...

M&S gave me a excellent credit card with a good 0% on balance transfer for 15 months with a large amount of £4000 when most wouldn’t give me the same with my score at the time Reviewed on: 14th March 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

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