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

Name: Credit Card
Rating: 3.04 (184 reviews)

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2.73

Based on 184 reviews, last reviewed 13th Jun 2025

600% 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

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

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.

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M&S Bank - Marks and Spencer Credit Card reviews (184)

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

Very deceitful

It started when I was trying to obtain a replacement card as I had my wallet stolen from a supermarket. I do not use the card as it was used as a zero balance transfer. I suspect that this is why they are just not sending me a replacement card. I have tried several phone calls, asking for copies of transcripts of conversation, copies of statements and of course replacement cards. Nothing as happened. I received nothing over then my DD had been stopped, which I did stop to see if I got a response, well surprise surprise I did. I did stop the DD because my bank account had been compromised, showing fraudulent access, so had to change the account. Since i had no card or account details I could do nothing on line other than contact them by phone. So I could not even register to use their on line service. Having made several calls, I still have not received anything. I then got an email stating that "the postal service has returned undelivered mail, stating you no longer live at the address." which of course is a load of rubbish. Especially when they can send me letters such as my DD stopped, new mandate letter to setup a DD, they got through ok. I am exhausted fighting this so I am just paying the balance off but their customer service is zero stars. I bit like they smile to your face but stab you in the back. Wont even go to any M&S again in my life. Disgusting company. I wonder if this gets published, lets hope so. Update 26/01/2021 - Just received a note that royal mail has returned my mail, strange things is that I got this notification via the royal mail. Anyway, I have now paid off the account and closed it. No change to me giving them the lowest score I can. Reviewed on: 20th January 2021

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

Decent 0% offer, but not a great online experience

Their 0% offer was exceptionally long (at the time), so I was delighted to be accepted for this. But the sheer amount of hoops to jump through to log onto the website, and navigate around, just makes it a pain to work with. I really think with a website more around the Capital One/MBNA style, would make it more appealing and easy to get around! As a result I have just set up a DD, and don't really go on there any more to check statements etc.! Reviewed on: 4th June 2023

Good rewards

The rewards are goof as cash vouchers. Always a trusted brand. Reviewed on: 1st June 2023

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