Write a review

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

Name: Credit Card
Rating: 2.98 (179 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

35%

14%

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

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

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:

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

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

Improved app

App has improved since - easy to use and review transactions Reviewed on: 11th April 2023

Jozef

Perfect credit card easy to manage Reviewed on: 11th April 2023

Clothes

Materials and quality is good so I like is clothes Reviewed on: 11th April 2023

Very helpful

Very helpful and friendly very good app good phone service good rates and great to talk to Reviewed on: 6th April 2023

Valuable offers

I like that I get cash back from this credit card Reviewed on: 5th April 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

All in One Credit Card
from Halifax 3.96 from 72 reviews
Credit Card
from Yonder 4.94 from 463 reviews
Credit Card
from Zempler Bank (formerly Cashplus) 4.87 from 4388 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