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Credit card companies

Marks and Spencer credit card review

By Rob Goodman

Article 10 of 17

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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.

Marks and Spencer credit card

M&S comes 8th in June's credit card satisfaction survey, with a score of 69% – up from the 64% attained in the previous survey. The card has a dual 0% interest period – 25 months' interest-free purchases and 25 months for balance transfers. You can earn points on your purchases for M&S vouchers.

Marks and spencer bank

Customer score

=8th out of 29 credit card providers


Marks and Spencer credit card highlights

  • Rewards scheme
  • Dual 0% deal
  • Rated highly for the clarity of its statements

Visit Which? Money compare to find out how it compares.

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 and complaints
Rewards and cash back
Ability to manage online
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 these 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 7,043 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 every six months and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

  • Last updated: June 2017
  • Updated by: Jo Langenhan

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