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Marks and Spencer credit card review

Find out how Marks and Spencer has been rated in our latest customer satisfaction survey.

In this article
M&S Bank credit card highlights M&S Bank credit cards: customer rating M&S Bank's ratings broken down How we calculate M&S Bank's ratings

M&S Bank credit card highlights

  • Earn reward points on everyday spending
  • These points are converted into M&S vouchers
  • Good 0% balance transfer and purchase offers

M&S Bank credit cards: customer rating

M&S Bank rises to joint 7th in this year's credit card satisfaction survey and has earned Which? Recommended Provider status. 

Customers reported high levels of satisfaction with its online banking facility and rewards scheme.

M&S Bank offers a competitive 0% balance transfer deal lasting 32 months and a compelling reward card ('Reward Plus') that comes with an introductory bonus of 2,000 M&S points, worth £20.

Credit Cards
M&S Bank review
Which? Customer Score
=7th out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand to a friend.
Compare M&S Bank against 29 other credit card providers

Visit Which? Money Compare to find out how M&S Bank's credit cards stack up.

M&S Bank's ratings broken down

Marks and Spencer credit card satisfaction
Customer service
Application process
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
Dealing with complaints
Rewards and cash back
Ability to manage online
Ability to manage by mobile app
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 M&S Bank's 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 6,741 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 annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.