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

Name: Credit Card
Rating: 3 (177 reviews)

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2.62

Based on 177 reviews, last reviewed 5th Apr 2025

No new 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

35%

14%

40%

Latest highest rating:

5

A very caring company. A very caring company. If there is a problem it's possible to speak directly to a person instead of going online.In the past I have had reason to cont... Read more Reviewed on: 2nd April 2025

Latest lowest rating:

1

Disappointed as a long- term customer I recently fell foul of the dreaded terms and conditions. I bought some travel money online and used Applepay (on which my M&S card is the most used) ... Read more Reviewed on: 5th April 2025

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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.

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?

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M&S Bank - Marks and Spencer Credit Card reviews (177)

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

Jozef

Perfect credit card easy to manage Reviewed on: 11th April 2023

Great offers and points system.

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

Good but need improvement

Good but need improvement.variety is short and expensive. Reviewed on: 18th May 2024

Appalling Service

I had an M&S credit card with £2,000 limit. Consistently paid on time until lately, when I made 2 payments a few days late due to a family bereavement. Their response? They halved my credit to £1000! I closed my account & found a more understanding card! What an appalling card provider! No customer care whatsoever! Reviewed on: 10th May 2024

Well I wish there was a lower option then 1 star the...

Well I wish there was a lower option then 1 star then I will definitely given them a big fat zero. I find M&S bank as the worst and pathetic of all time. If there was a Oscar of being useless bank then M&S definitely unmatchable. Zero communication skills and not willing to help at all. No wonder why they got soooo bad reviews on all over the Internet and social media. Reviewed on: 4th April 2024

good interest free offer at the time

Nothing special - at the time had a good interest free period offer so that’s why I signed up Reviewed on: 2nd April 2024

If I could give 0 stars I would.

If I could give 0 stars I would. I’ve never been able to use the card without it being declined. Every time I call the helpline I’m told “there’s no reason the payment can’t go through”. After arguing that there is obviously a reason for it, I get passed on to a different person so tells me an excuse and tells me the issue is fixed and hangs up. But the issue is not fixed and I end up having to call back and then I’m told a different excuse. The people on the phone don’t seem to know what they’re doing and will tell you excuse after excuse and contradict and repeat themselves over and over again. After trying to make one payment it finally went through after 3 days of calling them and only did it go through after a put an official complaint in. Again I am trying to use the card for a second payment and it’s declining. I’ve been on the phont on and off to them for the last three hours and every advisor has told me something different. One has even told me “it’s against our policy to use the card to pay to car services like you are trying to do” which is complete bullshit there is no restriction for this. Trying to tell me that the credit card cannot be used to car merchants such as Ford, mini, bmw etc that this is not allowed. Then the next advisor tells me that this is not true but again “there’s no reason why the payment can’t go through” but not accepting the fact that for some reason it is declining. So unhelpful, the card is shit and doesn’t even work. If you want to get a card with M&S bank just be prepared to have all payments declined and to spend 3-4 days on the phone arguing and arguing until they finally accept it and the staff will repeat the same useful shit over and over again. Reviewed on: 19th March 2024

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

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