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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 customer satisfaction survey.

In this article
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 M&S Bank credit card is best? 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, 0% purchase offer and a reward credit card.

The reward and purchase credit cards offer 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 three places to 4th in this year’s credit card satisfaction survey.

Customers gave the brand an impressive score of 77%. However, M&S Bank’s current range of deals didn't meet the benchmarks in our product analysis to secure Which? Recommended Provider status.

Credit Cards
M&S Bank review
Which? Customer Score
4th 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.
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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 and query handling.

M&S Bank credit card satisfaction


Star rating
Customer service

4 out of 5

Application process

5 out of 5

Clarity of statement

5 out of 5

Transparency of charges and penalties

5 out of 5

Dealing with queries

4 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

3 out of 5

Ability to manage by telephone banking

2 out of 5

Charges for using your credit card abroad

2 out of 5

Which M&S Bank credit card is best?

You can explore the best M&S Bank credit card deals using Which? Money Compare.

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 5,621 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.


Are M&S Bank credit cards contactless?


Yes, the M&S Bank range of credit cards are contactless.

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.