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

Name: Credit card
Rating: 3.02 (187 reviews)

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2.74

Based on 187 reviews, last reviewed 8th Aug 2025

100% decrease in 5 star reviews

in the past 90 days

50% decrease 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

Cant pay cc in store colossal mistake .. Today I receive letter telling me I can no longer pay in store!!!! Now has to be a DD or online banking . I don’t like online banking plus many people... Read more Reviewed on: 8th August 2025

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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 (187)

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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