M&S Credit Card Reviews 

Great crédit card company. Good communication & kept up to date with account regularly. Can lower credit card amount anytime if I choose. Not consistently bombed with meaningless, pointless emails & texts, only with what is needed & required. Nice little bonus add on that you collect M&S points for discount in their stores or online purchases.

Very happy with my credit card. Not ever had a problem, easy to use, easy to pay my balance each month...and love the rewards! Thank you!

Always happy with Marks Spencer’s quality, efficiency and stuff.
Although the food is quite expensive but one of the best provider.
Orders delivered on time.
No problem with credit card banking issues.
Friendly and helpful staff.
Thanks to M & S

As a regular M&S customer getting their credit card was a no brainer - the revamped rewards system is exceptional and the only reason I score 4* is due to the change in the payment process which is messy and time consuming if you don’t bank online

Can lower credit amount if I wish Great service and money back vouchers . Good discount offers.

It works for me and gaining Sparks points is an obvious bonus. I clear my balance every month but would use it more if my limit was raised by another £1000

I am generally satisfy with M&S card, However the recent update on the website left me rather confused by the changes it took a while before I felt confident to navigate. I think I am okay with it now for example the clarity of the statements.

Its a no trouble account

M&S credit card good for having that is always been informed . And i received every tree months of treats from them.. also shopping is easy to use the credit card..

Good food, good staff, good choices.

Always excepted by professional establishments

Been with M&S for years! Never had any issues, brilliant communication and love the perks!!! Just treated myself to some tops with my credit card rewards:)

I had problems opting out of digital statements despite requesting to continue with written statements. As a result I missed a payment for the first time in many years. This cost me nearly £40 in late fees and interest.
I now receive written statements and have have requested that the bill is paid in full every month.
I am glad to say that all my problems have been solved and I am happy to continue using my M&S credit card.

I wanted to get a credit card that was interest free for an extended period, the M&S card fit the bill. I wanted it to pay for an apartment in Orlando so I set up the payment on Booking.com to automatically pay a few days prior to our stay. I was elsewhere in the USA when to my horror Booking.com notified me that when they attempted to take the money off my M&S card, the M&S credit company wouldn’t pay the apartment fee as they claimed it could be a false payment. So Booking.com messaged me to say that my payment had been withheld and that if payment was not made by 09:00 the next day they would cancel my apartment and I would incur a full rate charge for cancellation. It was 10pm the night before and I was very stressed. I phoned Booking.com and paid them directly from my bank account, so problem sorted after 90 mins of panic. The thing was I had notified M&S of my upcoming visit to the USA and clearly they still failed me. I found later on the holiday that payments were being accepted. Clearly very disappointed and will never us M&S credit cards in the future.

Used for several years now and very happy with the card, benefits and customer service

Applied forM&S Rewards Credit Card late February early March with a promise of £25 for joining. Approximately two months later I phoned customer service taking well over 25mins to talk to someone,they agreed to look into it.I have had no reply. In May I receive an email stating that I have done what it’s necessary to receive the £25 once I receive an email with a pin number, to date I have not received any emails giving me pin number’s 😤. NOT MY IDEA OFF EFFICIENCY OR CUSTOMER CARE.

The Trust and Reliability you build with a Bank makes all the difference
So if you are happy with that stay loyalty and you will soon see the Rewards
Thank you M&S Bank for being there for me,I appreciate that

Always keep you well informed.
Can always speak to staff with any issues you might have.
Let's you know when your credit card is due for payment.
Only ever use M&S Credit card.

I wanted to increase my credit limit by a small amount and I found this process increasingly difficult with M&S. I was told I had to download the banking app which I don't use so I phoned again a few days later and asked to speak to a supervisor. The person I spoke to asked me so many questions, even to the point of asking how much my house was worth, that I almost gave up. I've never defaulted on any repayments over many years and I really felt their attitude was certainly not customer friendly.