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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)

SHOCKING!!!!

Took ages to navigate through the app , locked me out when I tried to pay , nightmare , I'm closing it and going elsewhere, worst app out there. Reviewed on: 18th December 2022

Consistent issues and horrible to deal with

I wish I'd read the reviews before I got this card. I rarely use it because every time I do, issues happen. The app is shocking and the functionality is horrible, badly lacking and old fashioned. Every time there is an issue their chat function is so slow but doesn't have the option for a notification of their reply - if they ever reply. Their phone line is answered fairly quickly but the staff there are not really empowered to make any kind of decisions and honestly it would be easier to do it myself if only the functionality was there. Reviewed on: 16th December 2022

Constantly Blocked Card

Their security is triggered sometimes three times a day, which means we spend hours and hours on the phone tying to get the card unlocked. The types of transactions they needlessly decline are everyday spending at Amazon, supermarkets, toy shops, Deliveroo etc. Nothing unusual. They don't call to say they are limiting the card. It just stops working randomly. And they have no explanation for why they are doing this. Items went out of stock, Christmas posting dates were missed, Deliveroo was not delivered. The inconvenience and disappointment is endless. Oh and the embarrassment of having your payment declined and people assuming you can't manage your finances. Joyful. Such a stark contrast with other banks we use, where everything just works and customer services are amazing. Needless to say, I will never, ever bank with M&S again. Reviewed on: 14th December 2022

JOKE

Heres another bad review. The tech for their banking app looks like its from the web in the 1990s and it just is rubbish in comparison to almost any other card. Joke levels of credit limit compared to other card providers. Waste of time Reviewed on: 12th December 2022

Ever tried to get online with M&S Bank?

For several years I've tried to get online with M ans S Bank. Input card details and it sends out same messages "we have a problem" please phone following number. The number only had key in options, none of which addresses the issue. 0 out of 10. Only reason I've stuck with it is for vouchers.... Reviewed on: 30th November 2022

Liars!!!

Got preapproval for £1200 credit card, then when I went to activate the card when it came in the post I was told its only for £500. Also they refuse to remove the hard search they done to approve this and won't give me what I was preapproved for. Reviewed on: 21st November 2022

No real customer service

Any company tester ACTIVELY conceals any email address as a means of discouraging complaints is HIGHLY SUSPECT Reviewed on: 4th November 2022

One of the worst experience of dealing with customer service

They have the worst call centre setup. The first level staff don't have any experience and reading useless information off a script. I dont think their system is great either as customer service staff don't have a clue what's actually happening. There is no access to any of the specialist teams. So you get stuck. Note also, their SLA for any resolution is 15 working days. And working is the operative word. So if any holidays in any country where the team is located, you get stuck waiting. Reviewed on: 31st October 2022

Awful customer service

Have been with m and s for years. I have never defaulted or had issue with payment. Unfortunately of late their customer service has proven to be worse each time I have needed to contact them. 5 phone calls over the past 2days, conflicting and useless information given whist trying sort a problem. Iam no further forward or sure where my money has gone if anywhere. Lost all confidence now. Shame on you m and s Reviewed on: 21st October 2022

An absolute sham

Customer Service is a robot. I refused to use the app and instead do it all online and it's the worse experience ever. You can't speak to anyone, the site is awful, small print, and it very clear that they want you to use the app. Don't they know the majority of M&S customers are over 60. I am now looking online to tart this card and dump M&S for good. Reviewed on: 21st October 2022

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