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

Name: Credit card
Rating: 3.01 (188 reviews)

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2.71

Based on 188 reviews, last reviewed 14th Oct 2025

No new 5 star reviews

in the past 90 days

100% 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

I'm having trouble getting online banking. I'm having trouble getting online banking. My son tried (I'm 87) he said it's a terrible website. I phoned ON SATURDAY to set it up, your rep couldn't... Read more Reviewed on: 14th October 2025

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About this product

With the M&S credit card, you can get 0% interest on purchases and balance transfers for a period of time.

You can shop with your M&S credit card in millions of outlets, wherever you see the Mastercard logo. Earn rewards points every time you shop, and they'll be converted into M&S vouchers for you to spend.

M&S credit card reviews help you find out what it’s really like to be a customer. If you’ve used M&S before, you can also leave a review and share your experience.

M&S Bank - Marks and Spencer Credit card reviews (188)

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

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

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

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

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