M&S Credit Card Reviews 

It is a grear card to possess , I find it particularly handy arranging travel money as I travel quite a bit . Then you have the opportunity to shop in srore and freshen up your holiday attire . Store opening hours are a benefit too as you can on a busy day pick your clothes and holiday cash at the same .

I have owned an M&S credit card for many years going back to the days when it was only a charge card for M&S purchases, I have always been happy with the service and the app. Pleased with the cashback element when making purchases.

Have been using the M&S credit card for a number of years. I like that I can use it for all of my shopping and build rewards.

I was surprised to be offered such a low credit limit. Even after 12 months and having spent over £13,000 on th card all paid off ahead of time, they refuse to increase what is a very low credit limit. Other than that he card is great for our spending as we shop in M&S a lot and like the offers, free drinks and voucher system which gives a little bit back. The card is easy to pay online and it is easy for me to track where I am.

Simple and easy to use; queries responded to and investigated when odd/overseas payments are queried. Website easy to navigate and using the app means I get real time notifications when the card is used. Benefits have recently been revamped as have lots of other providers but still worth having as a little treat always goes down well.

They are always helpful and in the past have contacted me about suspicious transactions on my credit card.

I have had an M & S credit card for many years now and up until I received my last statement, I had been very happy with how it worked. Unfortunately, I made a slight error when I repaid my balance last month & input the incorrect amount to be settled. This resulted in me owing M & S precisely 20 pence. They then charged me £27.03 in interest for this small obvious error on my part. To be fair to them, they did agree to remove the interest charge after I telephoned and complained. However, I do not think this is how loyal customers who make rare simple mistakes should be treated. I shall be looking for an alternative credit card provider.

I have been an M&S credit card holder for around 20 years. My limit is £5k I always pay the full balance outstanding each month. Recently I asked to increase my limit to £7.5k, the reason for this was I was about to go on a cruise and as you have to use a card for expenses I wanted to ensure there was enough credit on my card. M&S responded by asking for proof of income etc. I understand why this would be needed for new customers but all they had to do in my case was to look at my payment record. Needless to say I will not be taking this further.

The young lady I spoke to was very polite and patient as she could tell I was a person past a certain age. She offered and did send me an email explaining how to reset my credit card pin

I always have a great experience with my M&S. First ckass

Initially, being very incapable with using computers and apps, I had considerable difficulty obtaining access to my online account, which previously had been totally straightforward. But having received help from M&S, I now find everything very easy. Couldn't be better!

I have used a M&S credit card for many years and I am very happy with it over the years. Lets hope a change of ownership does not detract from the service to date.

i’ve been an M&S credit card customer for many years. i pay £10/month which gets me lots of perks and rewards, extra points etc. it’s a good brand with excellent customer service. i wish they would provide the card to use abroad at great rates though.

My experience with M&S Credit card is their reliability. Spending is shown quickly. I find the app easy to use.

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.