Rating Summary based on 5 reviews
Advantages Cheaper interest and credit protection rates than most
Disadvantages Another temptation to buy, the company try to get your other business
Advantages Easy to use and 10% off days are fab!
Disadvantages Considered to be outdated and restrictive, useless inless a regular
Advantages used to be only credit card accepted in store (NOT anymore!!), get free M&S magazine
Disadvantages will receive endless mail from M&S financial services
Advantages Being a difficult card to obtain, it carries a little prestige.
Disadvantages Like all store cards it is expensive and useless elsewhere.