Write a review

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

Name: Credit Card
Rating: 3 (177 reviews)

View other M&S Bank - Marks and Spencer products

2.62

Based on 177 reviews, last reviewed 5th Apr 2025

No new 5 star reviews

in the past 90 days

33% decrease 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

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 (177)

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

Nothing exceptional does what is says on the tin.

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

Bonus coupons unreliable, otherwise ok

They send mailouts 4x per year with additional coupons for bonus reward points offers but they often don't track properly so you have to chase them up, which is a pain. They often don't scan properly instore either, both at staffed and self checkouts. Reviewed on: 28th June 2023

Outsourced

Why has M&S outsourced its credit card to heaven knows where - Cairo? What the people who actually live there apparently still call Bombay? Telephone calls are answered with incomprehensible accents, on hideously distorted lines. Reviewed on: 26th June 2023

Avoid M&S Credit Card.

I ordered an M&S credit card as there was an offer of 0% interest over 24 months. The card took 10 days to arrive and I enabled it using the telephone facility. So far so good. Next I tried to register for the app and the screen said I was successful. I logged out and later tried to log in again to familiarise myself with navigating the app. It said the password was incorrect despite the fact that it was saved automatically on my apple iPhone device from when I had registered and I had also temporarily written it down on paper. I tried to use the "forgotten password" facility and the instructions said to log in and enter the password first but of course I couldn't do this as my password wasn't accepted. This was a catch 22 situation. I tried again and eventually my account became blocked. I telephoned and got an operator who had very little command of English and who I could barely understand. He asked a number of security questions the details of which I had not yet given them. He told me to insert my card in the electronic device I had requested. I had never made such a request and thus had no device. I’ve subsequently found that these devices can only be used once anyway for one's first login and one then has to use a pin number which will appear at the bottom of the login screen. On reading various reviews I found that this number more often than not doesn't appear. This sounded more like a scammer tying to hack my account. I gave up. I have two other credit cards whose apps work faultlessly. M&S’s card provider needs to address the problems with the app or people will simply not use the card. M&S stores are first class but the credit card app's uselessness will tarnish their reputation. I would recommend Sainsbury's Bank credit card which I have used for several years. Their app is secure and user friendly and the operatorsI have encountered in their call centre are efficient, friendly and speak clear understandable English. My initial reason for obtaining the M&S card was the 2 years 0% interest on balance transfers which was offered. In view of my experience I have tranferred the M&S card balance to my Sainsbury’s card which has cost me money but at least still has two years 0% interest. I wish I’d first read the various online reviews, page after page of which show people have had the same experience as me, before wasting my energy and money on the M&S credit card. I have far better things to do with my time and money. Reviewed on: 21st June 2023

Appalling service

My wife and I have had M&S credit cards for many years with no problem Then M&S bank lost a payment and bombarded us with threats via letter, text and email. It took us months to prove they were at fault, which they reluctantly and rudely accepted. And then they did it a second time! We asked Archie Norman, the chair of M&S for help, but the answer was even though the bank used the M&S name, and he was their chairman as well, it was nothing to do with M&S!!! In the end we got rid of our M&S credit cards. But even now we are being pursued by M&S bank ( in reality HSBC one of the most corrupt and fined banks in the world) for 76p interest on the payment they lost!!!! Utterly pathetic. Don't go anywhere near them Reviewed on: 6th June 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

Alternative products

Credit Card
from Zable 4.94 from 28003 reviews
Flexicard
from Halifax 4.57 from 5 reviews
Opus Credit Card
from NewDay 5.00 from 3 reviews

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