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

Name: Credit Card
Rating: 3.03 (186 reviews)

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2.70

Based on 186 reviews, last reviewed 20th Jun 2025

600% increase in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

36%

13%

40%

Latest highest rating:

5

Never had any problems and the rewards are good Never had any problems using their credit card and enjoy spending the rewards Reviewed on: 13th June 2025

Latest lowest rating:

1

Shocking service I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to As... Read more Reviewed on: 20th June 2025

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M&S Bank - Marks and Spencer Credit Card reviews (186)

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

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

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 amount. Why on earth is this made so difficult? On all other credit cards that I've ever had, this can be amended with a couple of clicks on the website. Enormously frustrating. 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 l placed it on white paper. I phoned again,and needless to say no PIN number appeared even when scratched with a coin, and held up to the light. I now have to wait another 5 working days for PIN number to appear. What a terrible service to a loyal customer!! 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

Great offers and points system.

Great offers and points system. Love to shop with the card Reviewed on: 23rd May 2024

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