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

Name: Credit Card
Rating: 3.03 (186 reviews)

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2.71

Based on 186 reviews, last reviewed 20th Jun 2025

400% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

36%

13%

40%

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

Shocking service I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to As... Read more Reviewed on: 20th June 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.

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M&S Bank - Marks and Spencer Credit Card reviews (186)

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

Family

M&S bank is very good Bank, There service is very Excellent. Reviewed on: 3rd April 2023

5 stars

Best bank open 7 days a week frendly staff serving customers so quick Reviewed on: 3rd April 2023

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

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