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Marks & Spencer Bank credit card review

Find out how Marks & Spencer 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
Coronavirus (COVID-19) credit card update What do M&S Bank credit cards offer?  How does M&S Bank compare to other providers? Is M&S Bank a good credit card provider?
Which 0% purchase credit card is best? How we calculate M&S Bank’s customer score and ratings M&S Bank credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What do M&S Bank credit cards offer? 

M&S Bank’s suite of credit cards includes a competitive 0% balance transfer deal, 0% purchase offer and a reward credit card.

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

How does M&S Bank compare to other providers?

M&S Bank has risen to joint third in this year’s credit card satisfaction survey.

Customers gave the brand an impressive score of 78%. However, M&S Bank’s 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
=3rd out of 30 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.
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Is M&S Bank a good credit card provider?

Our survey also reveals how M&S Bank 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.

Marks and Spencer Bank credit card satisfaction ratings


Star ratings

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.

Customer service

5 out of 5

Application process

4 out of 5

Clarity of statement

5 out of 5

Transparency of charges and penalties

5 out of 5

Dealing with queries

5 out of 5

Dealing with complaints

5 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

4 out of 5

Ability to manage by telephone banking

5 out of 5

Charges for using your credit card abroad

1 out of 5

Which 0% purchase credit card is best?

Below are the top five 0% purchase credit cards on the market right now.

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 brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings 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.


M&S Bank credit card FAQs


Does M&S Bank offer an eligibility check?


M&S Bank does not 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 the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.