M&S Credit Card Reviews 

The improvement on the app. It is so much easier to make a payment through my bank without the use of my bank card.

Ive been in Australia for 8 weeks, first shopping trip was M&S! Sooo missed the quality, taste and in my opinion value for money of their food hall. Im a pensioner so dont have a lot of spare income but choose to put quality of food at the top of my list. The offers the store have are really good. Been a customer most of my 51 years of married/family life. The rest of the store products are also good but its the food hall I miss the most. Using the M&S credit card is an added bonus! The rewards scheme is excellent.

Easy efficient and very user friendly
It’s on my phone I can see my balance and I pay it off online
Love the points I earn to spend in M and S

I have been a loyal customer to M&S for a very long time and spent an awful lot of money with them. I am extremely dissatisfied with a recent situation that happened this week whilst landing in Pisa for a short break. My husband booked online car hire - he very rarely uses his M&S card - he handed his card over at the car rental desk and it got declined and blocked -we called M&S at the car rental and they said it’s because my husband had not used his card to purchase anything using his pin in the UK. This information had never been offered up as had we or he known this before leaving the UK he would have done so. He had paid for insurance for the car hire on the internet using his M&S card but because his card was declined in Italy airport car rental he had to pay twice using our nationwide card. This is very disappointing and will be sent to the complaints department. It caused us enormous stress in a foreign country . I could not use my card as it was booked with his card which got declined and blocked - if this is not resolved on our return to the UK and extra insurance money refunded we will rethink our commitment with M&S

Excellent customer service. I have phoned and spoke with various members of the team on a few occasions and they’ve been really supportive in resolving issues

What needs to be included in this process is immediate clarity that the transfer has been successful thereby removing the need to check the account later as I needed to do.

Everything to do with M&S carries with it honest trustworthy professional integrity.
I have never had a moments doubt about dealing with all aspects of M&S.

My Transaction with M&S Bank was very straightforward and went through very easily. I would thoroughly recommend M&S Bank.

I’ve always loved Marks& Spencer, and it’s always easy using and paying on my credit card, also settling up at the end of the month. However all this new technology is confusing me, especially the new way of earning rewards, which I have to confess I’m not liking. Maybe I’m being left behind on technology these days.

Not great.. didn’t even respond to me on my case unopened about a fraudulent payment .

I am a new account holder. On receiving my Credit card I spoke to M+S requesting an additional card holder. After 20 days of waiting I used the chatbot which was hopeless and passed me to a handler. who started helping me and I was told this is a 10 day process...I raised I had been waiting for 20 days with no update. Then I was told as his shift was ending I would be passed to some one else. I then had to wait again, it was then taken on by another handler but after 55 mins on the chat I asked simply, has the application been accepted/had my card been issued and lost in post? I was told I had to phone security separately. Wasn't transferred and so after an hour I don't know where I stand re the card and possible security issue. Disappointing experience.

I have been with M&S for many years, and use the credit card as much as possible, it’s a great advantage for me when the points earned are given as payments for me to use against my shopping.

Easy app to use. Good regular communication and clear instructions.

0% credit card balance transfer with a competitively priced administration fee. Quick and easy process. Funds transferred within a couple of days. Excellent service from M&S Bank.

The application process was very simple and all further interactions have been straightforward.
I’m loving the rewards element of the card-I have already gathered up over £50 worth of vouchers 💶💵

Excellent service. Applied on Saturday. Approved Sunday. Sorted. It’s not just any bank transfer, it’s….

I appreciate the speed of the offer and transfer. The offer also included clear and full information about the length of the 0% and when amounts will come due. It’s also easy to use the app.

Life-saver during a tough time! Highly recommend.
​I cannot thank M&S Bank enough. I was offered an incredible balance transfer deal right when I needed it most, and it genuinely rescued me from a stressful financial situation.
​I compared their offer with all my other banks and credit cards, and M&S was by far the best and most competitive. The entire process was incredibly smooth, straightforward, and easier to use than any other provider I’ve dealt with. Outstanding service when it mattered most!

All done in a few minutes. Clear instructions

Easy to set up and use, multiple ways to control and worthwhile point system.