Tried several times to do the digital logon which managed to complete just days before the offer ran out. However more user error and they really need to remember their customers raised in the very... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Very small credit limit & got refused an increase even though I make several payments each month! I cannot understand why this would be. My credit score is extremely high.
Company replied
My banking experience has been pretty good. Today I was offered a prize of tickets and hospitality at the Royal Albert Hall problem is I live in Newcastle so need train tickets, hotel and food for... See more
Company replied
I have only had the card a short while. I really like how I can access my statement online instantly. Another amazing feature I really like is how I get a notification for every transaction that go... See more
Company replied
Company details
Written by the company
M&S Bank launched in Autumn 2012, built on the foundations of M&S Money, which provided a range of financial products and great customer service for over 25 years. We aim to put you first and provide straightforward financial products and great customer service. We’re committed to building lasting relationships with everyone who banks with us by being truly focused on you, the customer.
Contact info
M&S Bank, PO Box 325, NR18 8GW, Wymondham, United Kingdom
- bank.marksandspencer.com
3.9
Great
3k reviews
Replied to 99% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
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I went smooth the transfer
12 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Sandra, Its great the transfer was smooth and efficient. Thanks for leaving feedback. - Kim
Very easy to do a balance transfer with…
Very easy to do a balance transfer with M&S, and it was sorted out straight away. Would highly recommend them
19 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Linda, Thanks for your feedback. It's great to hear that you found completing a balance transfer easy and you reccomend us, Thank you. - Kim
Great
Easy to apply, generous interest free periods. App works fine. Great experience
19 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Sue, This is great to hear that the card and interest free benefits you. The app is very useful for all the information you need so happy to hear its easy for you. Thank you for taking the time to leave feedback. - Kim
i like the product
i like the product
however the web site is without a doubt the least straight forward that i have used
i have received no rewards from spending
my wife has a card as well so far zilch.
i look forward to our rewards soon
19 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Mr Dye, Thanks for the feedback. It's great that you like the product. We're sorry you haven't received any Rewards, if you would like to get in contact we can get this checked for you. Please do get in touch with us directly, you can get in touch through using our Chat feature in our app, or you can find alternative ways to get in touch by visiting the ‘Contact us’ page on our website. Thanks - Kim
Nat West review
Excellent bank.Really friendly staff and some really good rates and offers.
19 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Stephen, Thank you for leaving feedback. It's great to hear you are benefitting from good rates and offers. - Kim
Excellent service highly recommended
19 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Steve, Thank you for recommending us as a card provider, with excellent service. Thank you for leaving feedback. - Kim
Great app and easy to navigate
Great app and easy to navigate. By using the credit card you still get cash vouchers back for the points and offers on the sparks card. The vouchers are a good incentive.
19 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Nicola, It's great to hear you love using the app and find it easy to navigate. Also, you are benefitting from the Rewards vouchers this feels like such a treat when they arrive. Thank you for leaving feedback. - Kim
Talk to a person not a robot!!!
Spoke to a person on the phone today, they sorted my problem out straight away, love the fact I can speak to someone and not a robot, I will be staying with my M&S credit card.
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Carmel, It's great to hear you have had your problem sorted out straight away. We love speaking to our customers so thank you. Here is to many more years as our customer. Thanks for the feedback. - Kim
M and s credit card
Always updated. Notification of when I'm using up my credit.
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Mikela, Thank you for leaving feedback, the notifications are a really handy feature to keep you on track. - Kim
I’m in M&S every week
I’m in M&S every week
I’ve been using my marks credit card to buy and pay it off asap
I still get points and vouchers which I use to pay for Xmas. So no big bills at the end of the yaar
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Gwilym, This is great news, shopping M&S each week building up your Rewards. Saving and putting them towards Christmas really helps spread the cost of an expensive month. Here is to many more shopping days and rewards. Thank you for leaving lovely feedback. - Kim
Easy to use and navigate.
Easy to use and navigate.
Regular email updates and great incentives.
Well worth opting for the £10 a month to get more incentives.
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Paula, This is great to hear that you benefit from the rewards club, and you enjoy the regular emails incentives. Thank you for your feedback. - Kim
Very happy with M&S credit card
I have used M&S credit card for a number of years and I love the rewards that I receive for using my card. I am very happy with the service that I get from M&S.
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Helgs, Thank you for your feedback. This is great that you love and benefit form the rewards and you are happy with the service we provide, this is how it should be. Thank you - Kim
Have spent far too much time over the…
Have spent far too much time over the past few days trying to link my credit card to Sparks card and using the app. Have now uninstalled as it. Even spoke to an advisor who couldn't seem to assist me. Marks should stick to knickers.
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Angela, Thanks for your feedback. We understand your disappointment and would like to investigate what went wrong. If you reach out to our team, we’ll do our best to make things right. You can find the ways to get in touch on the ‘Contact us’ page of our website. Thanks - Kim
I have held an M&S credit card for over…10 years
I have held an M&S credit card for over 10 years, have always found statements clear and concise to read , not all card companies are so !
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Bob, Thank you for being our customer for 10 years that's an amazing, its great everythign is clear and easy for you to read. Thanks for taking your time to leave feedback. - Kim
Entering the M&S Credit Card Free prize drawM&S Credit Card Free prize…
Entering the M&S Credit Card Free prize draw to win 2 Ticket to see Peter Kay 'Laugh Out Loud' at the M&S Arena plus many extras was quick easy and simple. Thank you for this offer. Peter Mullins
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Peter, This is great that you have entered the free draw. Good luck. Its great to hear was quick & easy. Thanks for leaving feedback. - Kim
Reply from M&S Credit Card
Hi Vicky, This is great to hear that our customer services are fantastic. Thank you for your feedback. - Kim
Reply from M&S Credit Card
Hi Sandra, This is music to our ears, It's great to hear when things move smoothly. Thanks for leaving feedback. - Kim
I had M&S credit card for many years
I had M&S credit card for many years, I love to shop on line and pay with it. I have a direct debit and always pay monthly. I’m happy with this arrangement. So far so good
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Rebeca, Thank you for being a customer of M&S for years, it's great that you use it a lot to pay for items this means you get the benefit of receiving the vouchers too. Thank you for taking the time to leave feedback. - Kim
Hidden cost of a credit card 'freebie'
Sorry but why does M&S think its a good idea to pay £10 a month for a credit card in exchange for £120 in vouchers.
This is NOT explicit in your advertising, and only comes later in the small detail. On your website, it definitely is NOT highlighted. Folk think WOW, I'm getting all these lovely offers, yet they do NOT realise they are in fact paying for the vouchers themselves.
What a sly rip-off.
No wonder customers are leaving in their droves. Stop pulling the wool over your customers eyes. Shame on you meanies.
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Geoff, I'm sorry to hear you are disappointed the value is just for the vouchers this does not include the hot drinks vouchers or the Birthday treat. If you would like to speak to us to discuss please find our contact details on our website. Thank you for leaving feedback. - Kim
Always really helpful and excellent…
Always really helpful and excellent customer service.
18 May 2026
Unprompted review
Reply from M&S Credit Card
Hi Jo, This is really great to hear, thank you for leaving feedback. - Kim
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