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

Name: Credit card
Rating: 2.94 (196 reviews)

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2.94

Based on 196 reviews, last reviewed 5th May 2026

600% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

37%

13%

39%

Latest highest rating:

4

Great option for a long term zero interest credit ca... Great option for a long term zero interest credit card with M&S voucher cashback on spend. Reviewed on: 17th April 2026

Latest lowest rating:

1

RUBBISH CREDIT CARD - REALLY LETS M & S DOWN! I had terrible trouble getting the card set up in the first place and have written a letter describing it, then today I went into an Asda store and th... Read more Reviewed on: 5th May 2026

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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 (196)

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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