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M&S Bank credit card review

Find out how M&S Bank has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
What do M&S Bank credit cards offer?  How does M&S Bank compare with other providers? Is M&S Bank a good credit card provider?
How we calculate M&S Bank’s customer score and ratings M&S Bank credit card FAQs

What do M&S Bank credit cards offer? 

M&S Bank’s suite of credit cards includes a competitive 0% balance transfer deal, a 0% purchase offer, and a reward credit card. Credit is subject to status and terms apply.

The reward and purchase credit cards let you earn points on everyday spending, and the points can be converted into M&S vouchers.

How does M&S Bank compare with other providers?

M&S Bank credit card customers gave the brand an impressive score of 75% in our latest credit card satisfaction survey

The provider came in joint-sixth place, although its current range of deals didn't meet the benchmarks in our product analysis to secure Which? Recommended Provider status.

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M&S Bank review
Which? customer score
=6th out of 26 credit card providers
The Which? rating for customer satisfaction is 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.
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Is M&S Bank a good credit card provider?

Our survey also reveals how M&S Bank credit card customers rated the provider across 10 categories. 

Find out in the table below how M&S Bank scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

M&S Bank credit card customer satisfaction category Star rating
Customer service

5 out of 5

Application process

5 out of 5

Clarity of statement

5 out of 5

Transparency of charges

5 out of 5

Charges for using your card abroad

2 out of 5

Dealing with complaints and resolving problems

4 out of 5

Dealing with queries

4 out of 5

Ability to manage account online

4 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

3 out of 5


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 customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular credit card brands searched for online. 

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


M&S Bank credit card FAQs


Does M&S Bank offer an eligibility check?


M&S Bank doesn't currently offer an eligibility check that will confirm whether you qualify for the card before you apply.

To improve your chances of getting approved, you should check your credit report and see if there are any ways to boost your credit score


Where are M&S Bank credit cards accepted?


M&S Bank credit cards are on the Mastercard network, which means they are accepted in millions of places in the UK and abroad.


Who is the M&S Bank credit card with?


M&S Bank is part of the HSBC Group.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.