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.
- You can compare M&S Bank credit cards plus thousands of other deals on Which? Money Compare.
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.
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 | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Dealing with queries | |
| Dealing with complaints | |
| Ability to manage online | |
| Ability to manage by mobile app | |
| Ability to manage by telephone banking | |
| Charges for using your credit card abroad | |
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.
