M&S Credit Card Reviews 

Nice and easy to deal with.
Interest rates could and should be lower. But that applies to almost all credit card companies.

Secure logging in.

Easy to navigate website and everything explained

I have had an M&S credit card for many years and never had any issues both in the UK or abroad.
It has been my go to card for most purchases.

I have a 'Rewards' credit card and I find all the different rewards, vouchers, points, Sparks points just a total mess and confusing. I get paper vouchers in the post that expire after 3 months. I get vouchers in my app that have "More than 30 days to use". So, vouchers I 'pay' for expire really quickly, but the 'free ones' go on forever? Confused already. What is the difference between these 'Rewards'? Then there are the points. They seem to disappear every now and then for no apparent reason. Then there are the Sparks points. It's all just too much. For goodness sake, just have one type of reward voucher which everything goes into: the 3 monthly vouchers, Rewards points vouchers and Sparks points vouchers. It's so obvious to any sane person. Please take a long hard look at this from a customer point of view and just make things as simple as possible.

Generally I find use of card and rewards very good.
However, I have just completed a minimum spend for June for £10 reward vouchers.
This has disappeared from app, but no vouchers added to my account or any confirmation received.
Fine it frustrating that I just have to wait and hope now.

The card is easy enoigh to use although I use it in a wallet on my phone. The best part is the app. This allows secure login to see and download statements providing multi-factor authentication.

Marks and Spencer's Brookfield farm, fantastic service for my young granddaughter by Michelle in lingerie. Couldn't ask for better more considerate service.

Very happy with my M&S credit card.
Like the very friendly app, easy to use and clear and easy to navigate.

I’ve had my M&S card for many years and have enjoyed the reward scheme offered. When they had a problem with technical data not too long ago I was very impressed with their notification and secure way everything was handled. The new app layout like everything required a bit of working out and my only disappointment was I couldn’t reload on my new iPad (I personally find reading easier) as it had to have a photo which failed every time. I haven’t had any problems so can’t comment on services, or payment issues.

Have had the credit card for many years. Always willing to help sort out any problem. I wouldn’t use anything else.

I have been an M&S customer for many many years and although the clothes have greatly improved the head office has not. In store everyone is polite and friendly but the behind the scenes officials have dumbed down everything. I can no longer pay my credit card in store (which has resulted in my limit being downgraded because I have forgotten to pay on time twice recently, but could have paid in store on time) I can no longer visit a cafe in many many stores ( a coffee machine may be great for busy workers in city sites but we country bumpkins (quite often elderly) want a sit down and a nice cake and a tea pot. I don’t think a small area of extra retail space is worth the huge inconvenience to customers who traditionally have used the cafe every week.
Whizz kid designers of stores don’t give a thought to the non-city dweller, many of whom who travel significant distances to visit a store. M&S have evolved into looking after the office worker and seem to find everyone else an inconvenience.

Never any problems and in the era we live in I feel that getting a paper statement for some people must be helpful

Tried to increase credit limit but was refused there was no provision for the fact I had funds in place to repay the amount I required

I am very happy with the M&S Card and Banking APP.
It did take me a couple of months to get the hang of using the App,but now is no problem. I have always had great service when I have needed to speak with them over the phone although a lot less since using the App.
The M&S team whether shop or Head Office have always given good service. Thank you and long may it remain.

I been at M&S along time and never had any problems with them.

Professional service and everything went smoothly

I have had a M&S card for many years and always been very happy i initially got it for when I was abroad or emergencies and decided to keep it I mostly do online shopping with it mostly in M&S site , overall I’m happy with the customer service always helpful when I’ve had to call . Yes one happy customer.

I feel secure having a M&S credit card. You get to choose how you want to pay. You can control your spend by checking how much you have spent in the apps.
Customer service is great. Love the perks.

Great service from MS Team
Second to none