M&S Credit Card Reviews 

I am 83 years on the 21st of this month. I am not very good at the internet, it now I have the MS app on my phone I find it extremely easy to understand. I enjoy shopping at MS and paying on my Credit Card I pay it of at the beginning of the month when my pension goes in, so I am a very happy lady. Thank you MS

I have had an M&S card for over 20 years, and had no real problems with it. But I must say since HSBC have taken over the card the time span between payments showing on your accounts and payments showing has improved. This makes it much easier to manage my spending and account. Also getting help on the app seems to be easier.

the m& s credit card internet site is impossible to get on, same old instrutions to login, its to complicated. never been on a site were you need so many logins, crap card

I made 3 separate balance transfers from different credit cards which were swiftly actioned and took very little time to complete. I have made previous transfers before and again the service was seamless and completed without delay

Managable credit with occasional bonuses, albeit small compared to spend. The app works well and I trust the card backing bank, unlike John Lewis who changed financial houses at which point we changed to M&S

Superb balance transfer rate set for 20 months… deffo helps in this financial climate.

Was easy quick transfer

Easy and quick to transfer money over very happy with my m&s credit card

Initially it felt a painfully slow process to be accepted for a credit card despite an excellent credit rating but once accepted, I’ve done nothing but enjoy the benefits!

Absolutely fantastic if you shop regularly at M&S like I do along with brilliant app and support service!!

Simple and staring forward with the process of balance transfer.
Informative throughout the process

⭐️⭐️⭐️⭐️☆
I’ve had my M&S Credit Card for a while now, and even though I owe quite a lot on it, the company has continued to give me opportunities to keep using the card. That flexibility has been really helpful.
Of course, there are plenty of charges applied, and carrying a balance isn’t easy, but I appreciate that they’ve taken my situation seriously instead of cutting me off completely. It shows a level of trust and support that makes me feel valued as a customer.
Overall, while the fees can add up, I’m grateful for the chance to keep using the card and manage my finances with their understanding approach.

Been using the credit card and the app for a few months now. Everything’s been great!

Excellent service, easy to manage . I have used this for years and never had any problems at all. Thank you.

I have had a M and S credit card for over 30 years and apart from the fact that the rewards have been reduced radically , it has been great. If I have experienced any issues,I have been able contact M and S who have resolved it. Great service.

I found that M&S's Bank was very useful and was completed without any fuss.
I do like their offers of long 0% interest time.

The easiest balance transfer out of any credit card. So simple to use. I highly rate M&S app too.

Brilliant experience with Balance Transfer process. Quick and easy to navigate

Totally straightforward procedure to do a balance transfer with no hidden costs and super quick transactions. First class 0% balance transfer credit card Definitely recommends to all