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

View other M&S Bank - Marks and Spencer products
2.56
Based on 179 reviews, last reviewed 12th May 2025
100% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
35%
See only 4 star reviews
14%
See only 3 star reviews
6%
See only 2 star reviews
6%
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39%

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
Craig S's avatar
Craig S

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
B G's avatar
B G
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 (179)

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

Excellent

5
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
Antonio Fernandes 's avatar
Antonio Fernandes

Amateurish

3
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
Andrew Wilkinson's avatar
Andrew Wilkinson

The call centre is based in the Philippines, and the...

1
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
Gerry M's avatar
Gerry M

Absolutely horrible customer service.

1
Absolutely horrible customer service. The phone lines are awful. They make it most difficult and painful for you. Reviewed on: 8th February 2024
wouknviou 's avatar
wouknviou

Brilliant service.

5
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
Hazel brooks's avatar
Hazel brooks

Automated payment service

1
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
Michael Bird's avatar
Michael Bird

Account Closure

2
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
Len Orford's avatar
Len Orford

Excellent

5
Brilliant card, great app and rewards. Reviewed on: 10th August 2023
Emma Garrood's avatar
Emma Garrood

Straightforward credit card with discount vouchers

4
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
G Cowan's avatar
G Cowan

What am I paying for?

1
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
Ian Prosser's avatar
Ian Prosser

Bonus coupons unreliable, otherwise ok

3
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
Rachel S's avatar
Rachel S

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