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.
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.
