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

Name: Credit card
Rating: 3.02 (187 reviews)

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2.71

Based on 187 reviews, last reviewed 8th Aug 2025

400% increase in 5 star reviews

in the past 90 days

33% 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

Cant pay cc in store colossal mistake .. Today I receive letter telling me I can no longer pay in store!!!! Now has to be a DD or online banking . I don’t like online banking plus many people... Read more Reviewed on: 8th August 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.

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M&S Bank - Marks and Spencer Credit card reviews (187)

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

Very good

I got lots of point and lots of vouchers Reviewed on: 29th March 2023

Rubbish app

The app is awful !! I’ve been trying to move all my details over to my new device & nothing is made easy , then it locks you out!! I’ve never had any problems with other credit cards in the past only this one . Reviewed on: 26th March 2023

Useless

I got a credit card from M&S 3 months ago and since last week i tried to do a balance transfer and the customer service doesnt say if it is approved or not. i contacted the online chat and they said it was declined for a reason but noone contacted me. Again on Monday i tried and did the correct method and still nothing. i will cancel the credit card as there is no use to have a card that you cant use. M&S did a bad job with this, they should go back to selling clothes and exepnsive sandwishes :S Reviewed on: 24th March 2023

Wonderful service

I have been with them for five years now, great interest rate, and wonderful service Reviewed on: 23rd March 2023

good card

Reliable service, reward points are a handy bonus too. Reviewed on: 10th March 2023

Awful, awful. Awful

Avoid at all costs! Their customer service is beyond terrible, in 15 years of having credit accounts I've never had an issue and in 8 months with M and S bank I've had 3 major issues. They are also incredibly cryptic with their payment dates to trick you into getting missed payment charges - my statement was dated January 27th and said my next due date was Feb 19th. I paid on Jan 27th, the second I read the statement. To my surprise I have a missed payment charge, customer service say "oh the statement is issued on the 27th so you have to pay on the 28th onwards for the next statement". I've never know a bank issue statements that request money on a date that falls within the previous month's payment window. I also had an order arrive with 50% of the items missing but they only partially refunded me, so they essentially stole my money after having to fight tooth and nail to even get the refund in the first place. Customer service are the worst of any bank I've used Reviewed on: 23rd February 2023

I am still waiting

I applied for an M&S credit card and almost a month later I am still waiting! I have no debts so it should be straightforward but after calling the customer service multiple times and waiting for 40 to talk to a call centre manger, nothing. I found this review page out of curiosity If there are other ones like me which proved that they are. I have already applied for another one if ever this arrives it will not be activated. DO NOT APPLY FOR THIS CARD !! Your bank people are hopeless call centre employees! Reviewed on: 22nd February 2023

Trustworthy

0% Balance Transfer card that delivers on its promises. Reviewed on: 17th February 2023

Transaction tracking and rewards

The app shows clear transactions and provides notifications pop ups when a purchase made so yo can track spends and watch out for unauthorized transactions. Also provides rewards points on spends which then turn to vouchers to spend towards your m&s shopping Reviewed on: 10th January 2023

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