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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.
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

M&S Bank credit card satisfaction


Star rating
Customer service

4 out of 5

Application process

4 out of 5

Keeping you up to date with new deals

3 out of 5

Communication of changes to terms and conditions    

3 out of 5

Clarity of statement

5 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

4 out of 5

Dealing with complaints

4 out of 5

Rewards and cash back

4 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

1 out of 5

Ability to manage by telephone banking

3 out of 5

Charges for using your credit card abroad

3 out of 5

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.