Credit card companies: Marks and Spencer credit card review

Marks and spencer bank

Customer score

=9th out of 32 credit card providers


Marks and Spencer credit card

M&S comes ninth in April's credit card satisfaction survey, with a score of 67% - a slight reduction on the 69% attained last year. The card has a dual 0% interest period - 19 months' interest free purchases and 15 months for balance transfers. You can earn points on your purchases for M&S vouchers.

Marks and Spencer credit card highlights

  • Rewards scheme
  • Decent dual 0% deal
  • Rated highly for keeping customers up to date on new deals

Visit Which? Money compare to find out how it compares.

Marks and Spencer credit card satisfaction
Customer service 
Application process/td> 
Keeping you up to date with new deals 
Communication of changes to terms and conditions 
Clarity of statement 
Transparency of charges and penalties 
Dealing with queries and complaints 
Rewards and cash back 
Ability to manage online 
Ability to manage by telephone banking 
Charges for using your credit card abroad 

Table notes:

  • Star ratings out of five show levels of satisfaction for each category.
  • Where no stars are given, we received too few responses in our survey to award a score.

How we calculate these ratings

Credit card providers chosen for our Which? brand reviews are based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,191 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend. 

Star ratings shown for each category are scored independently of the customer score. These surveys are carried out every six months and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

More on this...

  • Which? Money compare - compare some of the best deals on the market
  • Credit card customer satisfaction - find out how your credit card provider ranks for customer satisfaction
  • Which? Recommended Providers - find out how credit card companies qualify for the Which? seal of approval

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.