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

Name: Credit Card
Rating: 3.03 (183 reviews)

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2.69

Based on 183 reviews, last reviewed 13th Jun 2025

500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

14%

39%

Latest highest rating:

5

Very happy with them as a whole, always easy to get... Very happy with them as a whole, always easy to get hold of on the phone! So far they’ve honoured their word and sorted out any issues I’ve faced rapi... Read more Reviewed on: 13th June 2025

Latest lowest rating:

1

Making it STUPIDLY difficult to sign in without your... Making it STUPIDLY difficult to sign in without your App , constantly pushing you to have the App . I’ve decided I don’t want the credit card now and ... Read more Reviewed on: 12th May 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 (183)

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

Excellent

I prefer Metro Bank because it's open on Sunday even and good for children to have Account in metro. Best bank in UK. Reviewed on: 3rd April 2023

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

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

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