M&S Credit CardReviews 

Excellent service. App works much better than the first one I used. Very secure, easy and quick to log in. Never had any issues using the app. Notification service is great; enables me to keep track of my transactions.

My first contact wasn't very helpful, I was told that I had to download their app, when you are 20 that's easy when you are 82 not so, got there eventually, my contact the second time was ok problem solved.

M&S Bank, specifically the credit card operation used to be a good option for purchasing using a credit card. The rewards were very fair and useful at times like Christmas. The value of rewards was reduced some years back, as M&S undervalued consumer loyalty. The service is mediocre, the rewards are now, not great, and I am sure there are other, more suitable providers out there with either linked rewards or cashback. M&S sells it's brand on quality and having something a little different. The credit card experience does not reflect that.

App is no longer supported on my phone. Had to phone and ask for a solution and was sent a key pad to generate a security code, however it just doesn't work, no supplied pin. I just gave up trying to use it. Now have to phone to check the balance and make a payment as required which is inefficient and time consuming. Will have to cancel the card and has clouded my opinion of M&S as a whole. Goodbye trusted brand.

Never had any problems with M&S Credit card. Service is amazing and informative.

I recently overstepped my credit limit. I found it impossible to speak to anyone about this or know how to deal with it. I sent an email to the complaints dept but did not hear anything. I then received a letter saying that I could pay by cash at my local M&S. When I went in they said this had been discontinued during lockdown.
The only way to check your credit card payments is via the M&S app on your phone. This does not work for me. Don't understand why I can't check online through my laptop.

They are very attentive, noticing odd activity early.
The last time it happened to me, they quickly sorted the whole thing out, talking things through on the phone with me.
My favourite credit card which I’ve had for many years.

Not happy with the new layout. It was clearer before. Why do you think change is better? You wasted your money.
Paying you is a nightmare. I could go into any of your shops and pay cash which you said was acceptable and confirmed, 3 months later that was cancelled. I still have your email. You really hate cash.
Evidenced by your self service tills in your shops. Then theres the policy not to replace staff when they leave as is cheaper to take the hit re shop lifting than provide a service by staff. Try finding someone in the shop to ask for help.

Not had any issues using M&S credit card. Mainly used to purchase from M&S only giving us optimal security.

I had looked myself out of the M&S app and the online banking so I contacted M&S and the agent who assisted me was very professional and excellent with the help needed resulting in both the app and online banking being fully reinstated.

Excellent credit card

I had this 12 month zero interest credit card with M&S. The process of applying and approval was fast and efficient. However, contrary to the custom, the bank didn't notify me when the 12 month was coming to an end. Instead, M&S bank started charging me £50 interest for 2 months, £100 in total. This, in my view was not very honest.

Every time I had an issue it was resolved quickly and courteously by the assistant

Midland Eye Hospital , confirmed catarah and Glucoma in both eyes and a mini stroke affect on left eye in November,2024.I was just paying by DD and was not checking my card statements . After eye operation on right eye January,2026 I had a building and content miss DD payment which was due to a fraudulent DD payment.
Experian told me to phone and checked with M&S. M&S Credit Card checked and found a fraudulent direct debit payment spanning back to March,2025 and refund me every penny . Cancelled ,and gave me a
new M&S credit card and pin .Looking back the
Customer Assistance was patience and a good listener
and gave me some safety tips like paying by phone.
I cancelled PayPal online payments, since they store
your cards and use payments by phone when I set it up.
Thanks you very much for your help.

While I am happy using the credit card, I am increasingly irritated by the online website trying to bully me into changing to the i-phone app. Whenever I log in, I am offered a button saying 'don't offer this again' which I use but - if I'm lucky - it only acknowledges my decision on the next occasion, then it reverts to the default. I do not want to use the app. and if it wasn't for the M&S Rewards vouchers I would consider going elsewhere!

The card does all I need and is accepted everywhere. Keeping track on spending is easy and app is easy to use

I have always been aM&S credit card holder for 10/15 years + they have the best rates for balance transfers, they will sort out any problem with fraud, network problems, never make me feel my questions are stupid, etc etc contact me regular for updates the list is endless the staff they have must be hand picked all very polite lovely friendly helpful people I have no negative comments to make thank you .

The customer service is excellent always helpful and polite the staff are a real credit to marks&spencer

Customer service is what makes the difference here