M&S Bank credit card review
What do M&S Bank credit cards offer?
M&S Bank offers two credit cards.
The 0% balance transfer card offers 0% for up to 26 months on balance transfers made within 90 days of opening the card, with a 3.49% fee. The card has a representative APR of 24.9% (variable).
There's also an interest-free credit card offering 0% on purchases for 18 months. This has a representative APR of 23.9% (variable).
Both cards allow you to build up points when shopping in-store and online – you can earn one point per £1 spent at M&S and one point for every £5 spent elsewhere. Points can then be exchanged for M&S vouchers.
How does M&S Bank compare with other providers?
M&S Bank achieved a customer score of 78% in our latest credit card provider satisfaction survey. It came in third out of 31 providers.
While M&S Bank had a high provider customer score, its range of deals didn't meet the benchmarks in our product analysis to become a Which? Recommended Provider.
- Find out more: visit our best credit card providers guide to read the full survey results and compare M&S's score with other companies
Is M&S Bank a good credit card provider?
Our survey also reveals how M&S Bank credit card customers rated the provider across five categories:
| Customer satisfaction category | M&S Bank star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via a mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review M&S Bank to find out more about our research.
Your M&S Bank credit card questions answered
Grace, our credit card expert, answers the top questions people have about M&S Bank credit cards.
Does M&S Bank offer an eligibility check?
M&S Bank offers an eligibility check that will confirm whether you qualify for the card before you apply.
Where are M&S Bank credit cards accepted?
M&S Bank credit cards are on the Mastercard network, which means they're accepted in millions of places in the UK and abroad.
Who owns M&S Bank?
M&S Bank is part of the HSBC Group.
How we review M&S Bank
Here's some more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
Which? Recommended Providers
To be a Which? Recommended Provider for credit cards, a company must:
- have a provider customer score of at least 75%
- have at least one top-10 card in one of the seven main categories available on the market
- have a product score that's average or above
- not have a representative APR of more than 33% on any of its mainstream cards at the time of the analysis.
Only the lenders that meet our benchmarks on customer service and product offering can become Which? Recommended Providers.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.